We’ve all heard the little green lizard or the lady with the apron talk about how just a few minutes of your time could have you “hundreds” of dollars on car insurance. Unfortunately, these savings could be from a lack of very important insurance coverage. Fast talking agents and online savings tools often strip valuable coverage from your policy in an effort to create the lowest premium and monthly payment. How can a lower payment be a bad thing? When the policy you purchase fails to protect you from underinsured or uninsured drivers or leaves you with unpaid medical bills or facing a lawsuit due to lack of bodily injury coverage.

A quick examination of a policy’s declarations page will let you know how well you are protected. Does the PIP benefit have a large deductible? Are lost wages included? Will the amount of property damage and bodily injury coverage protect you from an excess claim if you are at fault? Does the policy include sufficient Uninsured Motorist coverage if a negligent driver severely injures you?

Be wary of discount insurance companies that create low rates by removing categories of coverage or by providing quotes with insufficient coverage amounts to protect you and your family. Our lawyers are always available to review your current insurance policy.  For a free evaluation of your auto insurance policy, call or text us at (904) 358-3300 or email mcgrath@learnyourrights.com