Are You Covered?
While many motorists are familiar with their car insurance companies and policy premiums, all too often drivers are unfamiliar with how much coverage they have. A policy may not cover the range of expenses that can follow an accident despite the fact it meets state minimum requirements.
The causes of a car accident are usually as unpredictable as the level of insurance coverage held by a driver that strikes your vehicle. A basic knowledge of your car policy options can help ensure your policy protects you from paying out-of-pocket expenses after an accident that’s not your fault.
How Protected Are You?
Data from the National Association of Insurance Commissioners shows that nearly 14 percent of U.S. drivers have no car insurance. Just as alarming is the fact that many of the drivers who are covered have minimum policies that may not provide adequate coverage to innocent victims of a serious accident.
New York State requires uninsured motorist coverage to protect you from damages caused by a driver without insurance. Under-insured motorist coverage, which is not required by law, is intended to protect you in the event of an accident caused by another driver without coverage sufficient to pay accident damages.
Additionally, your policy may not have enough coverage to protect you against a host of other accident expenses, such as medical bills, transportation costs, and lost wages. A simple review of your current policy can ensure that you are getting the coverage you need to protect you from the unexpected before it’s too late.
Get the Help You Need
We’re dedicated to helping people throughout New York State get the compensation they deserve for their accidents. If you have questions about your coverage, the injury attorneys at William Mattar Law Offices can help answer your car insurance questions. Our attorneys aren’t insurance agents, but they can give you some guidance you can use when you speak with your agent—so that you’re protected after an accident involving a motor vehicle. Call our office at (844) 444-4444 or fill out our free initial consultation form today.