Making Policy Changes on Your Pennsylvania Car Insurance
As you review the different types of auto insurance coverage and the amounts you can choose, you may want to make changes to your policy. You can change your Pennsylvania car insurance coverage at any time – all you need to do is contact your insurance representative.
Have Adequate Auto Insurance Coverage
No one ever likes to think about the possibility of being injured in an accident, but it’s best to be prepared with adequate auto insurance coverage.
If nothing else, we recommend that you call your insurance representative to make sure you have chosen Full Tort on your policy. If you don’t have this coverage chosen already, please change it. With Full Tort, there are no restrictions on your ability to receive money for pain and suffering if you’re injured in an accident.
Here are a few other types of coverage you may want to consider adding or increasing:
- Bodily Injury Liability
- Medical Expense Benefits
- Uninsured/Underinsured Motorist Coverage
- Funeral Benefits
Your Decisions Affect Everyone on Your Policy
The types of car insurance coverage and amounts you choose apply to everyone listed on your policy, as well as any relative living in the same household who is not insured under a separate policy.
Every insurance policy that is issued in Pennsylvania defines who the “named insured” is. If more than one person is a “named insured” on your policy, any of those persons can make the decision to change the coverage. However, that person’s decision will bind everyone named on the policy, as well as any relative living in the same household who is not insured under a separate policy. The same holds true for your children, but children are always deemed to have Full Tort coverage. If you’re not sure who the “named insured” is on your policy, you can find on the declarations of coverage page for your policy, which comes with every bill.
Likewise, remember that your decisions affect the entire family. Choosing Limited Tort instead of Full Tort could hurt you, but it also could hurt others in your household.
Injured in an Accident? Get a Free Case Review Today
If you were seriously injured in a car accident, you probably feel overwhelmed and confused. Your life changed in the blink of an eye, and now you have to deal with the insurance companies, the paperwork, and missing work – on top of the pain of your injuries.
At Edgar Snyder & Associates, our job is to give you peace of mind and make sure you get the money you deserve. We’re ready to help, so contact us today for a no obligation, free case review. Call 1-866-9-4EDGAR (1-866-943-3427), or fill out the form at the top right of this webpage to get started.