Car insurance is so very important for you and your family. It protects your car, your valuable investment and you from a painful process should something go wrong. There are many times that a solid insurance policy can help you out of a very sticky situation. Choosing the right policy from your 21st Century insurance agent is important to make sure you are covered no matter what happens. Check out a few horror stories and a few ways this insurance policy can mean the difference between peace of mind and frustration:
Choose the Right Amount of Coverage
In some situations people feel that they can get away with minimum coverage on their vehicle because that is all the law requires. One example where this is not a great idea is in the case of a single mom who had a car accident. Unfortunately she was injured in the accident and she could not go to work. She tried going to an attorney with her case but because of the insurance coverage she chose , her injury was not “serious enough” and her coverage just wasn’t enough to help out It is very important that when you are choosing insurance you make sure you have enough coverage to help with medical bills should you need it.
Are You Really Saving Money?
When you choose an auto insurance policy you may choose higher deductibles because it is cheaper to pay each month. You have to ask is this really saving you money. When you choose the higher deductibles and you have an accident, you have to come up with that extra money out-of-pocket first to get your car fixed. This means that you may have to come up with $1000 or more because you were saving money in the payment plan. If that is not something you want to have to worry about try choosing a lower deductible plan. This will help you to save money when it is time to use the policy.
The Non-Insured Motorist
When you are considering your auto insurance policy remember the non-insured motorist clause. While many states now require it to drive, it is not uncommon to find people with auto-insurance coverage. Take an accident for example. If someone pulls out in front of you or hits your car they should have to pay for the damages. What if that person you had an accident with was not insured? Your insurance policy may have to cover the damages they did not pay for. If you do not have this clause in there you could be in danger of having to pay for it yourself. Make sure your auto insurance is all inclusive and covers things like this.
Choosing an auto insurance policy can seem overwhelming and very stressful. Remember to ask your agent all the questions you can think of. They can help you make sure to get enough coverage so you do not have an auto insurance horror story of your own. Remember just because it is cheaper now does not mean it is the best choice in the long run.