Would you spend over $1000 to buy something, and then not know what you bought? But this happens every day when people buy or renew their automobile insurance policy. Here are three things that you probably didn’t know about your automobile insurance policy. First, your automobile policy does not just provide liability coverage, it is a “bundle” of insurance coverages. Second, you can purchase medical insurance coverage under your automobile policy. Third, your automobile policy will protect you, or your family members, if you are hit by a driver who doesn’t have enough insurance.


Get Yourself Covered


Most states require you to have a minimum amount of liability insurance, usually $20,000. If you are in an auto accident, and are at fault, your insurance company will pay the liability insurance to the person you hit. But most insurance policies provide additional or optional coverages, such as collision coverage, rental coverage, medical insurance coverage, and under insured motorist coverage. A premium is charged for each separate type of insurance.


Affordable Medical Insurance


Most insurance policies allow you to choose to purchase medical insurance coverage. This medical insurance would cover you, or a family member, if you are injured as an occupant of a motor vehicle. Emergency room visits are not cheap, and if you are involved in a serious motor vehicle accident, these bills could easily reach $10,000 or $20,000. This type of medical insurance is usually not that expensive, and can protect you and your family from financial ruin in the event of a car accident. It is not automatically provided, and you must ask for this type of insurance coverage.


Protect your Family from the Irresponsible Driver


Most people never expect to be in a serious car accident. But what happens if lightning does strike? And what happens if the person that hits you doesn’t have enough insurance, or leaves the scene and can’t be found? Most automobile insurance policies automatically include uninsured (and underinsured) motorist coverage in such cases. The limits of this insurance are usually the same as your liability limits. For example, if you have a liability policy of $20,000 per accident, then your uninsured motorist coverage will probably be $20,000. But in many cases you have the right to increase the amount of uninsured motorist coverage, usually for a very small premium.  Insurance against uninsured drivers protects you and your family members so it’s worth it to spend a few extra dollars to get thousands more dollars of protection that will go into your pocket.


Do not wait until an unfortunate accident happens before you discover that your automobile insurance policy was not adequate. By speaking with your insurance agent or company about additional coverages now, you can save yourself from trouble and disappointment in the future.




John J. LaCava is a personal injury lawyer in Stamford Connecticut. If you have been injured in a car accident, you can find help at his website infolaw.com