AUTO INSURANCE COVERAGE: SOME BASICS
Some items that you may want to check for when buying or renewing your car insurance:
• Full Tort (not Limited Tort)
• Underinsured Motorist/Uninsured Motorist Coverages (UIM/UM)
(Protects you and your family against the other drivers on the road. Acts as excess liability coverage for you if another driver at-fault has insufficient or no liability insurance)
• Medical Coverage
(“No fault”. Regardless of whose fault, your medical covers you up to the coverage limits)
• Wage Loss Coverage
(Also “No fault”. Inexpensive. Advantage: Pays wage loss as you lose it).
• Stacking
(When you have more than 1 vehicle on your policy. Inexpensive. Advantage:
Multiplies your UIM/UM coverage by number of vehicles on policy)
• Read your Policy / “Declarations Page”!
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