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SpinDistribute.com Article Directory

The following article was published in our article directory on October 6, 2017.
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How Much Auto Insurance Coverage Do You Need?

Article Category: Automotive

Author Name: Van LaVaughn

One of the difficulties people face when buying car insurance is deciding how much they need. If you buy too much insurance, you waste money on coverage that you don�t need. If you don�t buy enough, then you will not be adequately protected in case of an accident. For instance, if you don�t have enough insurance to cover the expenses of the other party, they may go after your assets to make up for the difference.

The first step in deciding on the amount of insurance you should purchase is to understand the different types of coverage available. These will cover your liability if you are involved in an accident where you are at fault.

Liability coverage. This coverage type will help pay for your liabilities in the accident. The money will be paid to the people who got injured in the other car.

Bodily Injury Liability. This type of coverage will pay for the medical costs of the people in the other car. It is usually expressed as a fraction. The upper number is the maximum amount the insurer will pay for a single person�s medical costs while the lower number pertains to the maximum total amount that will be paid for all the people in the other car. A 20/60 BIL means that the insurance will pay $20,000 for one person and up to $60,000 total for all the occupants.

Property Damage Liability. This type of coverage will pay for damages sustained by the other car. This is usually expressed as a third number added to the BIL. 20/60/20 means that in addition to the medical expenses, the policy will pay $20,000 for repairs and other costs.

Most states require car owners to have insurance with minimum coverage. For example, New Jersey requires 15/30/5 liability. If you are caught driving without insurance, you will be subject to penalties that include fines and suspension of your license.

However, you should carry coverage that is higher than these requirements. Keep in mind that when the costs exceed what the insurance will cover, you will be liable for the remainder. For instance, the $5,000 minimum requirement is probably insufficient to cover repairs, particularly if the accident is serious. If there were a lot of people in the other car, total medical expenses would most likely exceed $30,000.

The basic guideline you should follow is that you need to have coverage that at least matches the amount of your assets. This is because you could be sued for everything you own in case of a really serious accident. Add up the value of your house, car, investments, and savings. Use this figure to determine how much coverage you should take out.

You can compare auto insurance rates online to find inexpensive auto insurance that will still provide you with the coverage that you need. Make sure that you get at least four quotes from trustworthy car insurance companies.

In addition, make sure that you provide similar information when requesting for car insurance quotes. This will ensure that your comparisons are accurate so that you can find low cost car insurance that will still give you ample coverage for your needs.

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