Q. What should I do in case of an accident? If you're involved in an accident:
Get medical attention for those injured.
Call the police.
If possible, do not move the vehicles.
Identify those involved including witnesses. Take names, addresses and phone numbers.
Do not discuss the accident with anyone but the police or your insurance agent or representative until you speak to a lawyer.
You are not required to give a statement to anyone but the police and your insurance company.
Q. How do I choose automobile insurance limits of coverage?
Liability Coverage protects you when you cause injury to others. In other words, if you cause someone to suffer injuries in an accident, your liability coverage is the limit that person can recover for injuries and damage. Your assets are protected up to that amount.
Uninsurance Coverage protects you and your family when you or a family member is injured in a motor vehicle accident by a driver who has no automobile insurance.
Underinsurance Coverage protects you and your family when you or a family member is injured in a motor vehicle accident by a driver who has insufficient liability coverage to compensate you for your injuries and damages.
Q. Should I choose full tort or limited tort automobile insurance? The choice you make when you purchase or renew your automobile insurance can have important consequences for you and your loved ones in the event of an automobile accident. Our experience has been that some people do not fully understand the significance of the choices they make when they choose "Full" or "Limited" Tort.
In most circumstances, by selecting "Limited" Tort you are "limiting" the items of damages you may otherwise be entitled to if you had selected the "Full" Tort. Although it may be somewhat cheaper to purchase the "Limited" Tort, we have found that the costs saved pale in comparison to the compensation you may be entitled to receive for your injuries.
Limited Tort- Unless you suffer what others consider a "Serious Injury", "Limited" Tort generally limits you to the following items:
Medical Bills
Lost Wages
Out of Pocket Expenses
We have found that since most people have adequate medical coverage, one who selects the "Limited" Tort receives little or no recovery for their injuries.
Full Tort- On the other hand, the "Full" Tort coverage allows you to recover compensation for the following items:
Medical Bills
Lost Wages
Out of Pocket Expenses
Physical Pain and Suffering
Emotional Distress, Anxiety
Inconvenience and Interruption of Activities
If you have any question about these subjects, call us for a free consultation.
Q. Am I required to carry automobile insurance?
Our founding partner, Melissa Scartelli, shares what you need to know:
