Tuesday, December 8, 2009

Smart Tips for Buying Car Insurance

Columbus, Ohio. Personal injury, car accident attorney David A. Bressman has helped thousands of injury victims over the past 19 years. Unfortunately, there are many he could not help because they simply did not have the right insurance.

Some statistics indicate that nearly 1/4 of all Ohio drivers do not have insurance. What happens to you if you, or a loved one, are injured through no fault of your own but the at-fault driver does not have any, or adequate, insurance? The answer is that we have to look at YOUR auto insurance policy to see if you have adequate coverage.

If you are injured, the other has no insurance and you do not have insurance...then what? Then consider bankruptcy. The other party will have to be sued, a judgment obtained and then collected upon. Good luck with that! The doctors and hospitals are not going to forgive your bills just because neither you nor the at-fault party lack insurance. Thus, you are stuck with the property damage, the medical bills and being injured to boot. All because there was no insurance to cover the crash.

Tip #1: If you have been putting off getting car insurance, do it...NOW.
Tip #2: In most instances, liability only coverage is stupid but if it is the best you can do for now, then at least get that.
Tip #3: Get full coverage, it's actually pretty cheap and well worth it when the inevitable car crash happens. Get a bunch of quotes, they are available online and from independent agents. If you are a client of mine, I'll review the quotes with you, free of charge, and make suggestions on what is, and is not, appropriate. If you are not a client, I'll still do the review but you'll have to pay me for my time.
Tip #4: Get uninsured/underinsured coverage. It used to be that this coverage HAD to be offered as part of your full coverage but now it does not. If you can, get this coverage, it provides you with a security blanket should you be hit by a driver who has no insurance or who has low limits insurance.

MORE TIPS TO COME......................

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