What Auto Insurance Should I Buy?

When buying insurance for your car, keep in mind, the insurance industry wants to sell you products that limit their own financial exposure. These minimal policies cost you less money and they keep you legal. However, be warned these policies come at a hidden cost to you.  If you are in an accident that is not your fault, you may discover that you can’t get your car repaired. Often, your own policy (limited tort) prevents you from receiving cash for your injuries which were caused by someone else. These products are not designed to protect you or your family in an accident. They are designed to sell you something you can’t ever use, and worse, prevent you from making an insurance claim against the person who is at fault.

When buying insurance, look for the following coverages:

  • Full tort-allows you to get paid when you are injured;
  • Collision-gets your car fixed no matter who is at fault;
  • Uninsured Motorist Coverage (UM)-gets you cash for injuries when the other car is uninsured;
  • Underinsured Motorist Coverage (UIM)-gets you more money when the other driver’s insurance limits are too low to fully compensate you for your injuries.

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