Car Accident Attorneys In Madison, WI Help Make Sense Of Auto Insurance Policies

Choosing the right auto insurance coverage is vital to making sure you are covered in the event of an accident, but with so many options, add-ons, and terms to make sense of, it can be difficult to know exactly what you’re paying for or which coverage to get and which to skip. As car accident attorneys in Madison, WI, we see a lot of cases where the insured didn’t fully understand their coverage and end up not receiving the compensation they need to recover after an accident.

With those situations in mind, we’d like to go over some of the most common auto coverage policy options so you can take a good look at your own policy and decide whether or not it has the protection you need.

Common Auto Insurance Coverage Options

Wisconsin state law only requires drivers to have Liability insurance in the following amounts:

• $10,000 for property damage.
• $25,000 for the injury or death of one person.
• $50,000 for the injury or death of more than one person.

If you only purchased this amount of liability coverage, you’d be compliant with the law, but unlikely to be fully covered in the event of an accident. That’s because Liability coverage pays for the costs associated with injuries to the other party, not yourself. So, if you cause an accident, your insurance will pay the other driver, their passengers, and your own passengers up to the specified amount, but it would not cover any damages to your own vehicle or any injuries you yourself suffer.

Most auto insurers offer additional coverage options to provide protection for you, the vehicle owner.

Your Options Might Include:

• Medical Payments. This option helps cover the cost of medical bills that you may incur as a result of the accident. It covers you regardless of who is at fault and it will even cover you if you are hit as a pedestrian.
• Uninsured Motorist. This protects you from drivers who do not have liability insurance. It covers personal assets, pain and suffering, lost wages, and medical bills.
• Underinsured Motorist. This coverage protects you if a driver has Liability coverage but it isn’t enough to cover all of your damages.
• Damage To Vehicle or Collision Coverage. This add-on provides coverage to help pay for the damage to your own vehicle, minus a deductible. You should try to have at least $500,000 of insurance coverage available, if not more, if you are injured because of someone else’s fault.

These are just a few of the many different kinds of auto insurance coverage options available. Your insurance agent should go over your driving habits and needs with you and explain all of the different policy options that would be a good fit for you to ensure you have the coverage you need when the time comes.

When you are buying auto insurance, shop around. You might not find much difference in price, but you will find a difference in agents. Choose an agent with whom you feel comfortable. They should welcome your questions and be accessible to you when you need them. They should be able to answer specific questions you ask but, even more than that, your agent should inform and advise you of all of your options and suggest coverage options that are personalized to your specific needs.

Consult Car Accident Attorneys In Madison, WI If You’ve Been In An Accident

If you are involved in an automobile accident and are having trouble getting the insurer to pay under the policy, contact Eisenberg Law Offices car accident attorneys in Madison, WI for help. We can help you navigate the claims process and ensure you receive the compensation to which you are entitled.

Contact our firm for a free case evaluation by calling 608-200-3572 or emailing Info@EisenbergLaw.org.