A recent article in the Cincinnati Enquirer noted that because of the poor economic times people are driving without insurance. First of all this is agaisnt the law. If you are involved in an accident your license will be suspended. But what if you are in a car accident where the other driver is at fault and they have no insurance. Do you know if your policy protects you.
If you have uninsured/underinsured motorist coverage you will be able to recover compensation from your own insurance company for your injuries. This is an optional coverage so make sure you ask your agent for it. At least request $100,000.00 of coverage. That way if you are hurt by an uninsured driver you can collect up to $100,000.00
But what if the other driver has insurance but it it the state minimum of $12,500 per person. Then you would be entitled to make a claim of up to $87,5000.
Also with regard to the damage to your car, your comprehensive coverage will protect you if its the other person fault. If it is your fault your collision coverage will pay for your car to be fixed.
Feel free to call me if you have any questions about your coverages.
Anthony Castelli www.castellilaw.com
Tuesday, 17 February 2009
Car Accident Attorneys Advice on your Auto Insurance
Posted on 05:44 by Unknown
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