Why This Lawyer Says You Should Buy Auto Insurance From A Completely Independent Broker

I do not sell passenger, but as a attorney practicing in the area of injury I often see people suffer since they have the wrong insurance coverage. Frequently, this is really because they ordered directly from an insurance company instead of an independent broker. &lt;br /&gt;&lt;br /&gt;Many of my customers who have been really hurt in a car crash were struck by someone who had no insurance or just the minimal liability insurance coverage, which can be $25,000 in Nyc and much less in many different states. Regrettably, a lot of my clients were sold insurance policies with liability limitations of $100,000 or $300,000, but were not sold matching uninsured and underinsured coverage. &lt;br /&gt;&lt;br /&gt;Just this week, yet another new client had this problem. My client was a pedestrian crossing the street when she was struck by a car which left the world. The driver was found right after leaving the accident, however the owner of the car only has the New York State minimum liability insurance of $25,000 and my client has serious injuries composed of many broken bones including a broken arm, knee and mind. &lt;br /&gt;&lt;br /&gt;My client owns a car with liability insurance limits of $300,000, but she obtained the insurance from GEICO whose merchant didn't provide her under-insured protection. GEICO does not use separate insurance agents, but carries insurance straight to customers through in-house telemarketers. &lt;br /&gt;&lt;br /&gt;For a little fee, my client could have ordered underinsured coverage of $300,000 which will have allowed her to recoup $300,000 for her injuries instead of $25,000. Actually, she did not need the $300,000 liability protection to protect her assets. Nevertheless, because you cannot buy underinsured coverage more than your liability coverage, I'd have recommended her to purchase $300,000 liability coverage for the sole purpose of having the ability to purchase $300,000 underinsured coverage. &lt;br /&gt;&lt;br /&gt;I have had many customers in this example who lost their jobs due to serious incidents and sustained significant debt. If they had matching underinsured coverage, the additional cash open to pay their state would would be described as a big help obtain life back together and pay their bills. &lt;br /&gt;&lt;br /&gt;Underinsured motorist coverage will pay money to you out of your own car insurance policy if you have been hurt in a car accident by some body who was negligent for producing your injury and who had less liability insurance coverage than you did. Uninsured motorist coverage can pay you when the other car did not have any insurance coverage or the identity of the other car is unknown. &lt;br /&gt;&lt;br /&gt;Uninsured and under-insured coverage is usually available and inexpensive in limits that complement your liability insurance coverage. It is unavailable in quantities more than your liability insurance coverage. &lt;br /&gt;&lt;br /&gt;Underinsured and uninsured coverage is indeed important if you don't decline the coverage on paper, that a number of states now require coverage limits coordinating your liability insurance limits. Several years ago, I suggested to several Ny State senators which they enact a similar law in New York. &lt;br /&gt;&lt;br /&gt;I've also seen several customers who were not sold the maximum medical installments insurance, which costs only $2.01 to me monthly on my car insurance policy. This really is specially essential for individuals who don't have a great health insurance policy. It is also good for passengers who don't have health insurance. &lt;br /&gt;&lt;br /&gt;Why should you get car insurance through an independent insurance agent? The courts have described the reason why. There has been several 'malpractice' lawsuits against insurance companies for failure to provide under-insured and uninsured motorists coverage limits coordinating the liability limits. But, when the insurance company sells straight to customers, these cases have gone in support of the insurance companies. The courts unearthed that each time a consumer purchases insurance right from an insurance company, in the place of an insurance agent, the consumer is only buying insurance and is not paying for advice. &lt;br /&gt;&lt;br /&gt;When you get auto insurance from an independent insurance broker who represents a number of different insurance companies, you obtain the benefit of an insurance specialist who can evaluate your requirements and advise you accordingly. Additionally, just a completely independent insurance broker can provide you with a range of insurance companies and premiums, so you obtain the best coverage at the cheapest price. &lt;br /&gt;&lt;br /&gt;Whether you purchase your car insurance immediately from an insurance company or via an independent insurance broker, always be certain that you buy matching uninsured and underinsured motorist coverage and the maximum medical fee benefits. &lt;br /&gt; &lt;br /&gt; &lt;br /&gt;