Should I Trust My Car Insurance Agent?
Reader’s Question:
I had an accident two weeks ago in Sacramento, California where I live, but I found out that my insurance will only cover the hospital bill of the driver I got into an accident with. My insurance said that my coverage will only be limited to personal injuries and not property damages. Was I swindled by my insurance agent?
Joseph,
Sacramento, CA
Well, Joseph, it seems you are a classic insurance buyer where you sign first and then ask questions later, when you’ve already gotten into an accident. Thinking you have an insurance coverage but not really understanding what and how much your insurance will cover is just the same as wearing a body armor made of cardboard in the interior. You’re giving yourself a false sense of security this way, if I may add. Joseph, I think what happened is, you bought what is called the Personal Injury Protection auto insurance or better known as PIP. The PIP is mandatory in 46 states and their cities including Sacramento, California, so, we might call them your basic insurance. Well, at least your PIP covered injuries inflicted. When accidents really are that bad, injuries to persons are much expensive rather than those damages to properties. Imagine, you or the other driver were put into comatose or needing surgery and will be confined to around 3 months in a hospital, can you imagine the bill that would amount to? If you’re really on a tight budget, personal injury protection auto insurance wouldn’t be that bad. As we say, as long as I breathe there is hope, at least being alive or having the means to stay alive is more than anything we can ask for. Damages to property won’t really be that a big thing when you know you just cheated death. So, drive safely.
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