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Understanding auto insurance policies

On Behalf of | Nov 15, 2021 | Personal Injury |

A car accident can be jarring in many ways. On top of the physical ramifications of a critical injury, your wallet can hurt as well. Medical bills and vehicle repairs are just a few things that can cost you a great deal of money after an accident. Insurance coverage may benefit you, but it is important to look over the details before going along with anything.

When you apply for auto insurance, you agree to pay installments in exchange for financial security. Policies depend on the insurance company, but they are almost always designed to cover some of your expenses in case you get in an accident.

Optional coverages

Insurance companies may offer different coverages to suit your desires. If an uninsured driver hits you, you may be able to file a special claim for medical coverage. If you miss work due to an injury, some plans can cover lost wages. You may also be able to save on your installments with limited tort coverage.

Required coverages

There are policies that you must agree to under Pennsylvania law. Your insurance has to pay $15,000 per person if you hurt someone in an accident to cover medical fees. Regardless of liability, your insurance must pay at least $5,000 for you and anyone else your policy covers. Your insurance also must pay a minimum of $5,000 for any property damage that you are liable for.

You should pay close attention to your wants and needs when you apply for auto insurance. Some plans may be of no use to you, while others can make or break your financial recovery after an accident.