Cheap auto insurance typically, is just state minimum limits of liability. Many consumers or agents also remove uninsured motorist coverage which is crucial in a serious accident. If you are seriously injured in an auto accident, the other driver may be uninsured. Uninsured motorist coverage provides coverage for your medical bills.

Think twice before you choose cheap auto insurance.

Drive safely!

If you want your car repaired by the negligent party, here are some tips for you:

Carry a camera or have a cell phone with a camera option, then get out of the car if you are able to and start snapping photos of the vehicles involved, the driver, the location, damage to the vehicle, witnesses, etc.  You can’t have too many photos!!!

Make sure you call the police so they will write an accident report.  If you are rear ended, this is proof of the other party’s negligence.

Get the drivers information: name, several phone #’s, address, their insurance carrier and policy #, description of the vehicle.f 

If you call me or another agent and only have someone’s name and phone number and they don’t answer the phone when you call, how can we file a claim with their insurance carrier?  Most of the time you will fix the car yourself or file with your carrier and pay your collision deductible.

Please call your agent if you are unsure of what to do when you are rear ended in an auto accident!

Safe driving!!

Why does this matter?

It matters because you may be driving around with just liability insurance.  This means you have coverage for property damage and bodily injury you cause to others, but you have no coverage for damage to your car.

With the current economy, people have cut back on many of their expenses, and auto insurance is one of them.

Can you afford to pay out of pocket for body shop repairs?

That is what will happen if you are in an accident with an uninsured motorist.

RENEE DARATA