What Car Insurance Agents Don’t Tell You

When you say you have “full coverage”, what does that mean exactly? Long story short, it means that you are only fully covered for as much as your policy pays for. Many insurance holders believe there is an unlimited fund for people who get into automobile accidents. Especially when the auto accident was not their fault. However, there unfortunately may not be enough insurance coverage to account for all medical expenses.

Protect yourself from uninsured and under-insured motorists. Contrary to popular belief, auto insurance is not just for “if you hit someone, they are covered”. Car insurance is actually for YOUR protection. The number of uninsured drivers out there on the roads is a larger number than you may think. Your insurance coverage is your only protection from uninsured motorists. If you have state minimum coverage, then that is all the money there is. Many who are driving uninsured are doing so because they can’t afford to pay the premiums, which in turn means they can not pay for damages. Bottom line – protect yourself and increase your uninsured motorist coverage. This coverage can also apply if the driver is under-insured.