We’ve all seen the cheesy auto insurance commercials on television. Some of them are funny (the first time), and most of them are just downright irritating. They all have their gimmicks and mottos which they hope will win you over and convince you to buy insurance that you don’t need or don’t understand. What’s worse, you could end up with less auto insurance than you actually need, which could leave you paying more out of pocket than you should following a Bucks County auto accident. The personal injury team at Cordisco & Saile LLC wants to help you choose auto insurance by giving you the facts on everything from limited tort to uninsured motorists.
A common piece of advice that experts give is that you should get as much insurance as you can afford. But there are certain kinds of coverage that you should make sure you have. Full tort is one of those areas. A limited tort option on your Pennsylvania auto insurance policy means you will pay less. It also means that you may lose some rights to sue for pain and suffering following a Bucks County auto accident. If you are involved in an accident in the Philadelphia area and you have limited tort, you will not have the ability to sue and receive compensation for the pain and suffering associated with your personal injuries. Limited tort may seem like a good way to save money on your PA auto insurance policy, but you could end up spending more money for pain in the long run.
Another area of coverage that is highly recommended is to protect you from underinsured or uninsured motorists. If you are involved in a Bucks County auto accident with an uninsured or underinsured driver, there is no way to be compensated for vehicle damage and medical bills unless you are covered by your own insurance. Driving without insurance is illegal in Pennsylvania, but some people still do, and you should not have to pay out of pocket for an accident with an uninsured or underinsured motorist.
It is recommended that you do research before committing to an auto insurance company and policy. Make sure that you compare several quotes from different companies to ensure you are getting the right amount of coverage for the best price. The internet makes it very easy to get quotes and compare prices. If you do not know what an area of coverage means, ask about it. Also be aware that you can customize your auto insurance. If you want to make sure you get full glass coverage, you can include it in your policy. If you would like to remove towing coverage from your policy, you can do it.
If you’ve been injured in a Bucks County auto accident and you have questions about insurance coverage, contact the personal injury lawyers at Cordisco & Saile LLC. Our local personal injury team offers a FREE consultation as well as a FREE copy of our PA Car Accident Book.