Many people who purchase insurance only purchase the liability insurance required by law. As a result, you spend a lot of money on this insurance protecting other people.
But you are making a mistake if you’re not protecting your family through the purchase uninsured/underinsured motorist coverage and personal injury protection insurance.
On an almost monthly basis, I have to break bad news to potential clients that there isn’t anything I can do to help them because the driver who caused the wreck either didn’t have any insurance or didn’t have enough insurance.
Uninsureed/underinsured motorist coverage is relatively inexpensive and provide significant protection to you and your family.
The same may be said for personal injury protection insurance. This coverage is relatively inexpensive, but it can provide big benefits to you. If you’re in a wreck and have to make a claim against the other driver or even your own uninsured/underinsured motorist carrier, those claims take a long time. It may be months (or even years) before the case is resolved and you see anything from the case. PIP allows you to obtain funds almost immediately, to help pay for your medical expenses or to help with other living expenses.
Don’t make this mistake. Buy the coverages necessary to protect you and your family.