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Determining How Much Auto Insurance Coverage You NeedBy Matt McWilliams
The Three Basic parts to an Auto insurance Policy
1: Other Party:
Auto Insurance Bodily Injury (BI) Liability and Property Damage (PD) coverage is Legally required in most states today. (BI & PD) Most people understand that they need BI & PD, but they have no idea how to determine how much coverage they need.
Try this simple question: What if your car was involved in an auto accident tonight where heaven forbid, someone else was injured or killed? Remember, everything you own is in the back seat of the car with you and is at risk in a lawsuit! So, what do you think their family would sue you for? $15,000? $25,000? $100,000 or even maybe a Million dollars! Where would you get the money to pay them?
Perhaps the Equity in your Home would help? How about your Savings and/or Investments? You could even have up to 25% of your wages attached to pay the award in most states! Are you prepared to sacrifice everything you own to pay an award due to this accident? If not, read on for how to choose the auto insurance coverage you need.
2: You and Your Family:
Now let’s turn the above accident around. For some unfortunate reason, you or a loved one is the one who is injured or killed in an auto accident. Where would you get the money if the person who hit you did not have auto insurance or not enough auto insurance? Medical bills can be covered if you have health insurance. But health insurance doesn’t cover loss of life, pain & suffering or permanent disability.
Maybe you have a life insurance policy through your employer or your own individual life policy. Is the benefit amount sufficient to cover your family if your loved one is killed? But even if you have life insurance, what pays for the misery, the pain & suffering, maybe the fact you or a loved one can’t walk or use their arms again?
You might have a disability insurance policy through your work if you’re lucky or had good financial advice. But disability insurance doesn’t pay for loss of life, pain & suffering, permanent loss of your legs, arm or hand.
The only coverage that pays for these things is a part of an auto insurance policy known as Un/Under-insured motorist coverage. You can only buy as much coverage here as you have in Liability coverage. Your auto insurance agent should be able to help you determine the exact amount you need.
3: Your Car
Comprehensive and Collision Coverage are the third part of an auto insurance policy and are sometimes referred to as “Full coverage.” Basically the difference is this: If you run into the tree you are covered by Collision coverage. If the tree runs into you (hypothetically of course), then you are covered by comprehensive coverage. Comprehensive also covers broken windshields, fire, theft and vandalism. The higher deductible (risk) you take here, the lower the premium. Use the savings here to purchase higher limits in the coverages that protect your assets and your family.
The bottom line to determining proper auto insurance coverage is, of course, the money available in your household budget. An excellent place to start in determining the proper auto insurance coverage for your family is to meet with your local auto insurance agent.
Most cut-rate companies concern themselves with one thing only: Price. Tell them what coverage you have and they’ll see if they can give you the same coverage for less. You become the insurance professional. If this is the only need you have then that is ok. If not, you need to seek the advice of a professional to help you determine the proper amount of coverage you need and how best to accomplish it.
Review these tips for auto insurance coverage to make sure you have enough to protect your family.
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Car enthusiasts comment on rare Ferrari find (The Register Citizen)
SHARON - Knowledgeable automotive enthusiasts shed light on the world of expensive cars Saturday, in the aftermath of police recovering a stolen Ferrari in Sharon on Thursday. Police are continuing the investigation into the theft of the rare 250 PF 1958 Ferrari, stolen in Spain in 1993. It was found at the home of Barney Hallingby, who has not been charged with any crime.
Cherry's Jubilee plays to four-wheeled fantasies (The Monterey County Herald)
The hot pavement dreams came in all kinds of colors ? lavender, incandescent copper, metallic purple and a robin's-egg blue purer than the clear, bright sky Sunday above the finale of the 16th annual Cherry's Jubilee motorsport show.
Car Accidents: 5 Things To Know If You, Your Loved Ones, Or Your Employees Are Involved In One (Ottawa Business Journal)
Most people, once they get over the initial shock of a car accident, usually don't know what their rights are, what forms of assistance they have access to, and what steps they should take to protect themselves.
`Sicko' star to address health care (The Daily Star)
ONEONTA _ Donna Smith, who was featured in the Michael Moore movie ``Sicko,'' will speak at the Foothills Performing Arts Center on Market Street in Oneonta at 6:30 p.m. Friday.
Natural gas is viable option outside Florida (Orlando Sentinel)
So you've seen those TV commercials starring energy magnate T. Boone Pickens, touting compressed natural gas as an alternative to gasoline.
WILKINSON: Operation This Old Bike: Off to a promising start (Republican-American)
Finding an old motorcycle in a barn, buying it and putting it back on the road is admittedly a clichéd tale. If you read RIDE-CT last Saturday, though, you already know that's what I'm doing with an antique Triumph T100R Daytona, the twist being that I have no mechanical skills myself and am relying on the help of experts and friends to get it running again.
Innovative Information Analysis Leads to Stolen Car Recoveries (PR Newswire via Yahoo! News)
Through formal information exchange agreements with three private companies, the National Insurance Crime Bureau has proactively increased its efforts to detect and identify stolen vehicles.
Suzuki Car Dealers are a Happy Bunch (carpages)
Suzuki franchise dealers are the third most satisfied in the UK, according to the findings of the new dealer attitude survey conducted by the National Franchised Dealers Association.
Scooters, other fuel-efficient vehicles gain popularity (Billings Gazette)
Billings disc jockey Jeff "Hairboy" Michiaels, the gravelly morning voice on Rock 107.5's "The Casey & Hairboy Show," used to ride Harleys and cruise around in a V-8 Thunderbird.
Consumers score big wins in small claims judgments (Toronto Star)
If you have a consumer problem, consider going to small claims court. You can plead your case without using a lawyer. Here are several people who won their fights by telling it to a judge ? or at least, by filing a claim and getting an out-of-court settlement.
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