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Protect Yourself from Car Accident Medical Expenses

To protect yourself from medical expenses that result from a car accident, the best thing to do is to ensure that you have uninsured and underinsured motorist coverage. This type of car insurance coverage will protect you in the event that you are in an accident with a motorist who has minimum liability coverage or no car insurance at all.

If you check the minimum automobile liability in your state, you can gain a better understanding of how important uninsured and underinsured motorist coverage is. If the minimum liability is low, there is an even greater need to protect yourself by purchasing uninsured and underinsured motorists coverage.

Minimum Liability & Uninsured/Underinsured Motorist Coverage

The minimum liability for car insurance in your area affects the need for uninsured and underinsured motorist coverage. The lower the minimum liability, the greater the financial strain for someone who is injured by a motorist with minimum coverage.

For example, the popular advertisements that you hear on the radio for low car insurance that can be obtained in just 15 minutes or less can result in major headaches and financial issues. While minimum liability keeps a driver legal for the road, it does not do much in the event that a serious car accident actually occurs.

When a motorist with minimum liability causes a car accident that injures another individual, it is likely that they do not have the insurance to cover the injured individual’s medical expenses. This is why it is very important for car insurance policies to include coverage above the minimum, including uninsured and underinsured coverage, along with other car insurance policy add-ons.

Purchasing Car Insurance 

Attorney Charlie Contrada stresses the importance of meeting face-to-face with your insurance agent when purchasing your car insurance policy. It is imperative to have the coverage that protects you and your family. The additional coverage is often a minimal cost per month but can make a significant difference if you are involved in an accident.

To learn more about the importance of a car insurance policy with full coverage, refer to our blog post that highlights the types of car insurance and the necessary components for your policy. As explained above, it is important to purchase car insurance under the guidance of your car insurance agent in a face-to-face setting so you can be sure that you are purchasing the policy that will protect you and your family.

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Attorney Charlie Contrada has been practicing law since 1979, focusing his career on personal injury, car accident, and mesothelioma cases. Over the years, Charlie has helped thousands of clients throughout Northwest Ohio and Southeast Michigan to receive the settlements that they deserve.

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