A driver can’t control if he is going to get in a car accident, however he can choose how to protect himself with his insurance plan. That’s why it is not only important for a driver to have coverage, but also understand his policy and rights.
Your Auto Insurance Coverage
Auto insurance is used to financially protect drivers when they’ve been involved in accidents. Coverage is provided by an insurance company and handles property, liability, and medical expenses. According to the Insurance Information Institute, an insurance policy can comprise six different kinds of coverage, including:
- Bodily Injury (BI) – covers injuries caused to someone else by the policyholder or another driver in the policyholder’s vehicle
- Personal Injury Protection (PIP) – pays for medical treatment for the driver and passengers in the policyholder’s vehicle and can also involve payment for lost wages and funeral costs
- Property Damage (PD) – covers damages to the other person’s property
- Collision – compensates the driver for damages to his vehicle caused by an auto accident; policies usually have a deductible
- Comprehensive – reimburses the policyholder for damages to vehicle not caused by a collision; policies usually have a deductible
- Uninsured and Underinsured Motorist –
- Uninsured (UM) - covers the policyholder or another driver in the policyholder’s vehicle when injured by an uninsured vehicle
- Underinsured (UIM) – coverage helps pay for the policyholder’s total loss when the other driver is at-fault, but doesn’t have enough insurance to cover the damages
Although insurance companies offer the above policies, each state determines for itself the minimal amount of insurance a driver must have to legally drive a vehicle. To learn more about your state’s laws, visit the Insurance Information Institute.
Your Auto Insurance Rights
When you’ve been involved in an accident, it is important to remember that you have rights, and although your insurance policy is a legal contract, both you and the insurance company have obligations and responsibilities to follow. If you’ve had problems filing or settling a claim, you have the right to contact your state department or consult an attorney. Whether you’ve been involved in a motorcycle accident or you were injured in a car accident, the personal injury lawyers at Lundy Law can help.
Free Consultation
If you or a loved one has been injured in an auto accident in Pennsylvania, New Jersey, or Delaware, contact the injury attorneys at Lundy Law and get the compensation you deserve. Our offices are located in Philadelphia, Reading, Blue Bell, Wilmington, and Cherry Hill. Get Serious. Get Lundy.
Our injury lawyers represent clients with several case types, including: auto accident, slip and fall, workers’ compensation, medical malpractice, motorcycle accident, birth and child injury, drug injury, wrongful death, and others. Fill out a Free online consultation form or call us at (866) 281-8612 today.
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