Do You Have Enough Car Insurance?

auto insurance

As drivers, we buy car insurance expecting that it will protect us if we're involved in an accident. Unfortunately, this isn't always the case. There are a variety of scenarios in which you could be left paying for your medical and repair bills, even if the accident wasn't your fault.

Insurance policies have payout limits, other drivers don't always have the proper coverage, and people flee the scenes of accidents. While we typically may not envision ourselves ending up in these situations, it's important that you insure yourself against them.

The following is a list of ways to improve your car insurance coverage so that you can be protected in the event of a car accident:

  • Limited Tort vs. Full Tort. If you currently have Limited Tort, you won't be able to seek compensation for pain and suffering if you're injured in a car accident. Unfortunately, car accidents can lead to serious and debilitating injuries that dramatically impact your life. By switching your policy to Full Tort, you can ensure that you will be compensated for your pain and suffering.
  • Uninsured/Underinsured Coverage. Nearly 14% of U.S. drivers don't have car insurance. If you obtain uninsured/underinsured coverage and are involved in an accident in which an uninsured or underinsured driver is at fault, your insurance company will step in and pay you for all recoverable damages up to your policy limit. However, without this coverage there may be no way for you to receive money for your pain and suffering, lost wages, or medical bills.
  • Bodily Injury. In Pennsylvania, drivers are required to obtain a minimum of $15,000 per person/$30,000 per occurrence of bodily injury liability insurance. Our firm recommends increasing your coverage to $100,000/$300,000. If you are found at fault for an accident and the victims' damages exceed your policy limit, you could be held personally responsible for what your insurance doesn't cover.
  • Medical Expense Benefit. This is another type of coverage required by law. It pays for any medical treatment you need for injuries suffered in a car accident. By increasing your coverage you can avoid having to pay for the medical bills that aren't covered under your current policy.

Drivers can also add other types of coverage to their policy, like income loss coverage, funeral benefit coverage, or stacking for uninsured and underinsured coverage. Visit our Pennsylvania Car Insurance: Recommended Coverage page for more information on coverage options and recommendations.

You can also download our free eBook: For Pennsylvania Drivers: How to Choose Auto Insurance.