When a car accident occurs, one of the most important tools you'll have at your disposal is your auto insurance provider. Car accidents happen for many reasons. In most cases, when two or more drivers are involved, the police will detail a report that states who was at fault in the accident. In doing so, you may find yourself responsible for the losses that occurred. Even if you just made a mistake or could not have otherwise changed the outcome, you could be at fault. If this occurs, it could mean you are at risk of personal injury claims against you, your family and your assets.
Auto Insurance Helps
The best way to minimize these risks is to have a comprehensive, high-value car insurance policy in place. That policy provides you with ample protection against claims made against you in such an incident. This is why you carry liability insurance. However, you'll need to make sure that:
- You have ample liability coverage on your existing car insurance policy.
- You've considered the value of upgrading to a personal umbrella liability plan to add more coverage.
By doing this, you help make sure your insurance is comprehensive enough to cover any personal injury claims made against you after an accident. It's important to realize these costs can be very high. From hiring a defense attorney to paying for settlements or court-awarded judgments against you, liability insurance is critically important.
Get Your Agent Involved
Also important to minimizing the risk of personal injury claims against you is working directly with your auto insurance agent after an accident occurs. He or she can help you to avoid making claims of guilt, aiding in filing any additional claims against other drivers involved who may also be at fault and helping you through the legal process. Ultimately, your agent is working for you to reduce the claims against you that may be fraudulent or unfounded.
It only takes a minute for an accident to occur. With the right type and amount of car insurance in place, you can reduce the risk that a personal injury claim filed against you could put your property at risk.
We’ve got you covered. Call Roe & Associates at (843) 740-1723 for more information on North Charleston auto insurance.