A new year means a chance to make (and keep) new resolutions. As you are making your list, the personal injury attorneys at Dale E. Anstine encourage you to resolve to check your auto insurance policy to make sure you understand the coverage you have selected.
While no one wants it to happen to them, auto accidents unfortunately occur every day and can have major impacts on the lives of those involved. In fact, according to the National Safety Council, in 2018, over 4.5 million people consulted a medical professional for injuries following an auto accident. The costs associated with these injuries were estimated at $445.6 billion. The options you have selected on your auto insurance coverage can dramatically impact your rights to seek compensation following an accident. Ensuring you understand your vehicle insurance coverage is an important step to guarantee you and your family are protected in the event of an auto accident!
With many insurance providers and coverage types to choose from, and with all the text in those lengthy contracts, it is important to take time to understand the following:
- What coverage you are paying for?
- What is not covered in the case of an accident?
- Does your coverage limit your right to sue following an accident?
- What additional out-of-pocket costs could you face in the event of an accident?
The auto accident attorneys at the Law Offices of Dale E. Anstine are sharing tips for motorists to keep in mind when evaluating and selecting insurance options. The following are important components of your auto insurance policy to look out for and understand.
Full Tort vs. Limited Tort?
Which coverage you choose — whether full tort or limited tort — will determine your ability to seek compensation for pain and suffering if you are injured in an accident. While limited tort may save you a few bucks a month, it dramatically limits your rights. Check out the video below to hear York, PA auto accident lawyer, Dave Pollick, explain the differences between full and limited tort, and which coverage will better protect you in the case of an accident (spoiler alert: always choose full tort).
Uninsured and Underinsured Coverage?
While this coverage is optional, it is recommended for extra protection against drivers who do not have insurance or who have limited coverage which will not cover the expenses that may result from an accident. Uninsured or underinsured coverage is to protect you and your passengers and to avoid owing money after an accident that was not your fault.
Medical Coverage, Bodily Injury Coverage, & Property Damage Coverage
These different coverage protection plans are also a part of your policy and can make a big difference in the protection you receive if a claim is filed against you and you are at fault.
For more insight on auto insurance coverage, it is important to sit down and discuss your options with your insurance agent, especially if you are driving a new or “new to you” vehicle. Understanding your insurance policy is critical to ensure that you are covered in the event of an accident. The choices that you make related to your coverage determine your rights to seek compensation and take action following an accident.
Having an Auto Accident Attorney on Your Side
At Dale E. Anstine personal injury law firm, we fight for your rights. If after you speak with your insurance agent about your coverage, you still have questions – get in touch. We will be happy to review your policy.
If you or a loved one have been injured in a car accident, reach out to the specialized accident and personal injury lawyers at Dale E. Anstine today. We are proud to protect the injured across the Central PA community. Consultations are always FREE, we are available 24/7, and there are no fees unless we win for you.