A few questions everyone should ask themselves before they’re involved in a motor vehicle accident:
- Do I have enough automobile insurance in the event I, or someone driving my car, causes an accident and injures someone?
- If I am injured during a car accident – who will pay my medical bills?
- What happens if an uninsured driver hits me, and causes injuries to me or my family?
- Are there limitations on my ability to be compensated for injuries and my pain and suffering in the event of a car accident?
- What happens if the injuries I suffer during a car accident cause me to be out of work?
Are you able to answer ANY of the above questions with any degree of confidence? For most people, the answer is no. Even if your insurance agent explained these scenarios to you, chances are you said, “just give me the least expensive policy.” Many people do, including myself, before I became a personal injury attorney.
One of the hardest things for me to tell a client who has been injured in a motor vehicle accident is that there isn’t enough coverage for their medical bills, injuries, and their losses. When someone hits you and leaves the scene of the accident, chances are they didn’t have insurance. What’s worse is, in most cases, the injured party’s insurance policy doesn’t include additional coverage for this type of situation.
That’s why it is so important to not wait until you are in an accident to review your insurance policy. Look at what coverage you have now and be sure you understand what it is you have and what you pay for. The cost for additional coverage is usually minimal and could save you thousands of dollars in the event of an accident. Knowing that you have covered yourself and your loved ones in the event of an accident is priceless.
Sometimes understanding what is and what is not included in an insurance policy can be confusing. Feel free to contact us to schedule a free appointment with me here in our Lawrenceville, New Jersey office. I’d be happy to help you and your family get the protection you need.