How Much Auto Insurance Do I Need?

In order to register your car and drive it on public roads in Hershey, PA, you need auto insurance. But how much do you need? According to the state, there is a minimum amount you must purchase. However, is this really enough? It’s enough to get your wheels on the road but if something were to happen, even if it’s not your fault, will the minimum cover you? The answer could very well be no, according to Options Insurance Agency. 

There are three types of drivers on Hershey, PA roads: the insured, the underinsured, and the uninsured (yes, they exist and drive illegally).

When you’re in an auto accident, you and the other driver will fit into one of these three categories. If either of you are uninsured, you’ll face hefty fines and maybe even lose your privilege to drive. You’ll also have to pick up the entire bill for any damages or injuries. This puts your assets and savings at risk. The same goes for someone who is underinsured. You can get into a no-fault accident with an underinsured driver only to discover that your bills are going unpaid because their claim ran out. This is when your insurance kicks in if you’ve bought enough in your policy. You’ll need maximum coverage and in some cases umbrella insurance to cover the costs the at-fault driver can’t pay.

If you were to have an accident that’s not your fault, you’d want the other driver to be insured to the maximum, wouldn’t you? On the other hand, if you’re in an accident and it’s your fault, you’ll also want maximum to cover any injuries to loved ones or the other party. It just makes sense.

To learn more about getting the maximum benefits with your auto insurance policy, contact Options Insurance Agency today.