Having auto insurance as a driver is essential for driving safely on the road. Most states require you to at least have liability insurance. However, this limits what you are able to get out of your policy to protect yourself financially. Liability only protects the other driver in the case that you cause an accident on the road since your liability coverage will cover the cost of their injuries and damages to their vehicle while leaving you without any coverage for your own injuries or damages. To ensure that you are able to get more out of your auto insurance policy, consider these three tips:
Increase Your Bodily Injury Coverage:
One thing to do is to increase the amount of coverage for bodily injury. Why? If you are in an accident, you never know how many people could be involved. There could be more than one passenger plus the driver who is injured in the accident. A low amount of bodily injury coverage won't go very far when there is more than one injury that needs to be paid for. You will definitely protect yourself more financially with increased bodily damage coverage. On top of this, it doesn't cost much to increase the limit of coverage since auto insurance companies see this as a responsible move and consider you as a less at risk driver.
Add Uninsured Motorist Coverage:
If you are in a hit and run accident that was not your fault, you should receive coverage for the damages done to your vehicle and the injuries you may have sustained. However, if the driver left the scene and did not provide you with his or her insurance information, then you won't receive coverage from their insurance. In this case, you want to ensure that you are protected by having uninsured motorist coverage through your own insurance policy. This will also protect you if you are hit by a driver without insurance.
Look for Accident Forgiveness:
It's best to work with an auto insurance company that offers accident forgiveness for their customers. If you do not have any at-fault accidents on your driving record and then you do cause an accident, your rates will not increase when working with a company that offers accident forgiveness. Of course, this is usually only a one-time arrangement, so if you are in another accident that you have caused, that's when the rates will increase.
For more information, contact McHugh Insurance or a similar company.