Another resolution to add to your list this year: check your auto insurance policy and coverage, and make sure you understand the coverage you have selected. While no one wants it to happen to them, auto accidents happen every day and can result in damages to the vehicle, as well as injuries.
With many insurance providers and coverage types to choose from, and with all the text in those lengthy contracts, it’s important to know the following: what coverage you are paying for; what is not covered in the case of an accident; and what additional out-of-pocket costs you could face in the event of an accident.
The personal injury attorneys at Dale E. Anstine specialize in auto accident cases and are sharing tips for motorists to keep in mind. The following are important components of your auto insurance policy to look out for and understand.
FULL TORT OR 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.
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. This 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’s 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 compensation and action following an accident.
If you or a loved one have been injured in a car accident, reach out to the specialized accident and personal injury attorneys at Dale E. Anstine. Get a specialized attorney on your side who has a full understanding of insurance policies and coverages to know what you may be facing in court. With offices in York and Gettysburg, our team is proud to protect the injured across the Central PA community. Consultations are always free, we’re available 24/7, and there’s no fee unless we win for you.