There’s a lot of reasons that accidents and collisions happen, and, for many, that’s the reason to have insurance in the first place! When these accidents happen, how exactly does the insurance side work, and will you be able to get a nice replacement vehicle or will you be stuck with a lawn ornament that’s too damaged to drive?   Collision insurance covers your vehicle regardless of whether it’s your fault or not. If you have a valuable...

What happens if you’re at work and you hit someone with your car? While you may drive a nice car, you probably don’t have the money to pay for someone’s medical surgery out of pocket–and this is where Bodily Injury to others coverage comes in. But what if you injure yourself as a result of this accident–who pays then?    When you, a passenger or a household member gets injured as a result of an automobile accident,...

Did the building hit the car or did the car hit the building? When most people think about car accidents, they usually worry about damage to their vehicle and other vehicles on the road; however, what happens if you hit a building? You could have to pay out of pocket for any expenses beyond the coverage you purchase! Property damage coverage is the section of your auto policy that covers you when you hit somebody else’s property–whether a...

Uninsured motorist coverage and underinsured motorist coverage will ensure you can get your medical bills paid. It will pay out anything that isn’t covered by the other person’s policy (if they even have a policy) up to the coverage limit you elect. Don’t pay out of pocket for an accident that’s not your fault–get UM/UIM coverage!

We talked about bodily injury coverage in the last blog, but that coverage extends to everyone except you. This is where Personal Injury Protection (PIP) steps in, to cover you!

Be careful when selecting coverage, as having the right policy makes a huge difference–saving money but missing essential coverage is a quick way to set yourself up for an enormous expense later on.