car accident

7 Things To Ask About Your Car Insurance Coverage

Scenario: It is 5 pm, you just got out of work and you are headed down the same roads you take everyday. You pull up to an intersection when that new song you like just starts playing on the radio and BOOM! Someone slammed into the back of your car. They smashed your rear bumper and now, your muscles and back are tense with pain. You are hurt. You are scared. You need help. You were just in a car accident.   WERE YOU HURT IN A CAR ACCIDENT? First thing is first, (1) call the police, (2) seek medical attention, (3) document everything. When you are involved in a car accident it is important for you to take your own notes of what happened, pictures of the vehicles and scene, and record of the other driver’s license plate and (if possible) insurance and VIN number.  You might not be in pain immediately, but it is always wise to see a medical doctor or go to the emergency room for your safety and wellbeing.   CAR CRASH STATISTICS IN TEXAS: Most injured drivers are unaware of what their insurance policy coverage includes until it’s too late. In the great state of Texas, there were 551,971 reported vehicle accidents in 2016 with an economic loss totaling an estimated $38,600,000,000.  It is pretty safe to say, that all of these drivers did not have car insurance which adequately covered the economic losses sustained when in a car accident.   Car Wrecks By Region: Austin (Travis County) – 20,038 Dallas (Dallas County) – 55,797 Houston  (Harris County) – 112,728 Rio Grande Valley (Cameron, Hidalgo, Starr, Willacy County)  – 23,598 San Antonio (Bexar County) – 52,633   When selecting an insurance policy here are 7 THINGS TO ASK ABOUT YOUR CAR INSURANCE COVERAGE.   Does it include: Underinsured motorist coverage steps in when you’re in an accident with an at-fault driver whose liability limits aren’t enough to cover post-accident damage or medical expenses. Uninsured motorist – coverage can help pay for medical expenses and lost wages of policyholders, authorized drivers, and passengers when the accident-causing driver is uninsured. No bodily injury insurance or not enough bodily injury – When you are found legally responsible for a car accident, bodily injury liability coverage is the part of your insurance policy that pays for the costs associated with injuries to the other person or people involved. This coverage also provides a legal defense in the event that you are sued for damages. Medical payments coverage covers accident-related medical expenses (including funeral expenses) for you, other drivers on your policy, and passengers. As cycling has become more popular, it’s important to note this also offers coverage if you’re struck by a car as a pedestrian or cyclist. Towing and labor coverage offers towing assistance and other roadside service fees, which can add up quickly. We have seen towing expenses as high as $5000 for one of our clients. Rental car coverage coverage reimburses you for the cost of your rental car if your insured vehicle is unavailable due to an accident. Reputation of insurance company Not all […] Read more