The Schafer Law Office

Questions To Ask Your Auto Insurance Agent

After many years of representing auto accident victims in Louisville, Jefferson County, Kentucky and the surrounding areas I have realized that so many of my clients are not only injured by the accident itself but injured financially as well. When one is not able to work it puts both an emotional and financial strain on the entire family. Often times the accident is the result of someone else‘s negligence or lack of responsiblitiy behind the wheelof their vehicle. Usually the person who caused the accident, as well as the victims, do not have adequate car insurance to cover all of the financial issues that arise after an injury accident. These can range from astronomical medical bills to the inability to work and provide support for your loved ones. So many of these issues can be avoided by asking your insurance agent the right questions. When you are purchasing car insurance ask your agent exactly what you are getting and what it means to you if you are in an accident. Listed below are four of the most important questions you should ask your car insurance agent.

• What does this coverage mean?
  
• How much does this particular coverage cost?
  
• How much more will it cost if I raise my limits for that coverage?
  
• Is there another company that will give me a better rate?
  

By asking your insurance agent these questions you will be able to compare the cost of the additional coverage to the increase in your insurance premium. The increase in coverage is not related in a one to one ratio with the increase in premium. Many times you can increase your auto insurance coverage by ten times and your premium will only increase two times or less. Ask your agent for exact rates as they relate to you.
For more information visit my website www.mikeschaferlaw.com