CAR ACCIDENT INSURANCE – WHAT TO LOOK FOR FROM A CAR ACCIDENT LAWYER

Our car accident lawyers deal with auto insurance issues every day. Because of our extensive experience, people often ask us for advice on what insurance they should get. Here are a few things to consider when buying car accident insurance. Of course, it is better to think of things things before you are in an accident. In other words, after the accident it is too late.

What to compare when shopping for car insurance

While everybody loves a deal, the price of your policy shouldn’t be your only consideration. Weigh these key factors before switching to a new insurer or policy to make sure you’re getting the best value for your budget, vehicle and driving habits:

• Coverage types and limits. Compare the cost of basic coverage — liability, collision and comprehensive — and additional coverage that you might need to stay safe, like rental car reimbursement, roadside assistance and gap insurance. A cheaper policy might help you manage your budget easily right now but offer insufficient coverage when you need it most. For example, does your underinsured uninsured coverage match your liability coverage? It should. Likweise, does your policy have a “drop down” provision for family member? I shouldn’t. Ask about these things.

• Deductible options.. Weigh how different deductible levels affect your premium. While increasing your deductible from $1,000 to $500 can save you money, make sure your emergency savings is healthy enough to cover the higher amount after an accident or claim.

• Stackable discounts. Ask about discounts you’re eligible for, such as those for safe drivers, low-mileage drivers, bundling policies, defensive driving courses or payment discounts for autopay or paying in full — even affiliate discounts for members of AAA or specific credit unions. Most major insurers allow you to stack discounts, helping you to save more money.

• Customer and claims support. Don’t lose sight of your goal: getting help at your most vulnerable on the road. Read customer reviews and complaints on unbiased review sites like Google Reviews, Reddit forums and the Better Business Bureau.

MN CAR ACCIDENT LAWYERS

Our car accident lawyers have handled hundreds of cases throughout Minnesota. It is always disappointing when a client doesn’t have the right injury. Not surprisingly, the client gets mad at their insurance agency or the company. Therefore, do yourself a favor and get the right insurance from the beginning. Ask questins before you are in a car accident to make sure you have the coverage you need.