Click to CallDrivers in Maryville, TN must carry minimum amounts of liability insurance to drive legally. One of those minimal amounts involves bodily injury if you are involved in an accident. Yet, is that coverage enough to cover medical costs? In many cases, it may not. Here is what Carr Insurance Group wants you to know about auto injury coverage.
Minimum Body Liability Coverage is Often Insufficient
Body Liability coverage helps pay for medical expenses and lost wages resulting from an accident you cause. It can pay for your injuries, but it depends on how much coverage you have per incident. If you are involved in a severe accident with multiple injuries and are at fault, it could possibly go mainly to passengers in another vehicle, leaving you responsible for your own expenses. Having sufficient body liability insurance isn’t the only thing you should consider. You will receive better injury coverage if you add other provisions to your policy, along with higher body liability amounts.
What Else Should My Policy Have?
For drivers seeking full coverage for possible injury liability, consider adding the following provisions to your policy:
- Uninsured/underinsured motorist coverage – This provision can cover injuries when another person causes the accident but doesn’t have enough insurance to pay for your doctors’ visits
- Medical benefits – Can cover reasonable and necessary medical expenses for those covered in a policy, no matter who is at fault.
Having both types of coverage in sufficient amounts can help protect you against paying excessive injury costs if you are involved in an accident with significant injuries.
Contact Carr Insurance Group, serving the greater Maryville, TN community, for advice on which accident medical coverage you need in your auto policy. Our agents will happily recommend the appropriate coverage to suit your needs.
