8 Questions You Should Ask Your Auto Insurance Company

Car insurance coverage can be confusing.  Whether purchasing a new car insurance plan or revisiting a current one, it is best not to go into the process blind.  Here are some questions to ask the agent about coverage, policies, premiums, and personal injury protection.  This list of questions can help educate consumers so that they know what to ask for when comparison shopping.

  1. What is the next increment of liability coverage that I can get? How much will it cost?
  2. Is the amount of my uninsured/underinsured motorist (UM) coverage the same as my liability coverage?
  3. Is there a household exclusion in my policy that may reduce the liability coverage for me and my resident relatives?
  4. How much will it cost to remove the household exclusion so that my resident relatives and I can have the same level of liability coverage that I purchased?
  5. Can I get an umbrella policy? How much will it cost?
  6. Can I get UM in my umbrella policy?
  7. Can I get MedPay? How much will it cost?
  8. What is the next level of personal injury protection (PIP) coverage that I can get? How much more will it cost?

For more information, please contact Azrael, Franz, Schwab & Lipowitz, LLC.