Here are some of the upgraded coverages you should add to your auto policy.
Are you still relying on the limited coverages offered by minimum car insurance? Then it’s likely that your policy doesn’t offer you the adequate coverages to actually cover an insurance claim. Rather than leaving yourself financially responsible for any accidents or damages that your policy can’t cover, consider adding these upgraded coverages to your car insurance.
Medical Payments Insurance
While most states require drivers to carry some level of liability insurance, this coverage will only cover the damages and medical costs of the other driver. This means that you will be financially responsible for your injuries and the injuries of your passengers. This is why adding medical payments insurance to your policy is so important. This additional coverage will offer coverage for the medical treatment that you and your passengers might require after an accident. This type of insurance is particularly useful because it offers coverage, regardless of who is at fault for the accident.
Research has shown that approximately one in eight drivers are uninsured, and that an even greater percentage of drivers lack the necessary insurance to actually cover an accident or other claim incident. This means that, if you were to get into an accident with one of these drivers, you would be financially responsible for covering your own repairs and medical treatment, even if you were not at fault. This is where uninsured or underinsured motorist coverage kicks in. By adding this type of coverage to your policy, you can ensure that you have coverage for any accidents that you get into with drivers who lack the necessary auto coverages.
These are some of the additional coverages that you should consider adding to your auto policy. Do you need assistance with your car insurance? Then don’t hesitate to contact the professionals at Westwood Insurance Agency. We are always ready to get you the right coverage to fit your needs.