Understanding What Your Kansas Automobile Insurance Covers: Part I

Obtaining an automobile insurance policy is often overwhelming, confusing, and stressful.  There are so many carriers and countless options.  After obtaining quotes from several companies, most drivers will settle on coverage and faithfully make their payments, believing that in the event of an accident, they will be fully covered.  The shock comes after an accident occurs and automobile drivers uncover their property damage, damage to the other driver, or personal injuries are not covered by their insurance.  To avoid this potentially devastating experience, it is vital that every vehicle owner or driver understand what is covered by their automobile insurance—and what is not.  Following an accident, no driver wants to be left wondering who will cover their medical bills, how their car will get fixed, and what to do if the other driver does not have insurance.  Gaining a full understanding now as to what your coverage will avoid much confusion in the event you are in an accident.

Car insurance is complex and varies significantly from state to state, as well as policy to policy.  “Full coverage” means different things to different people and insurance companies.  Most companies offer dozens of polices that may not always match an individual’s definition of full coverage.  According to a study conducted by the National Association of Insurance Commissioners, over half of all Americans do not know basic facts about car insurance and less than half feel confident making decisions about it.

The following is a list of the first two things you should know about how well your car is covered in the event of an accident.  Our list will continue in Part II of Understanding What Your Kansas Automobile Insurance Covers.

  1. Your rental car is covered…sort of—two out of every five automobile drivers express confusion over the purchase of rental car insurance.  According to the founder of Esurance, John-Bernard Duler, if you rent a vehicle, then get into an accident, the damage to the rental car should be covered by your regular automobile insurance.  However, expect to incur additional charges.  The rental company may charge you for the loss of the use of their vehicle which is not covered by insurance.  Further, your insurance might not pay the full value of the damaged rental vehicle.  Most policies will only provide compensation for either the actual value or the cost to repair, whichever is less.
  2. Car insurance covers the car, not its contents—thousands of automobile thefts occur each day across the U.S.  Comprehensive automobile insurance will compensate you if your car is stolen, but will not generally cover its stolen contents.  If the property taken is of specific use to the car, like a CD player, it might be covered.  If, however, a personal item, such as a laptop, was taken, this will not ordinarily be covered.

Contact Kansas City Automobile Accident Attorney Michael R. Lawless Today for a Free Consultation

If you or a loved one has been involved in car accident, Michael R. Lawless is a Kansas Automobile Accident Attorney with more than 27 years of experience helping his clients receive the compensation they deserve.  Car accidents can lead to serious injuries or even death.  Victims can require months of time away from work and medical treatment.  For the victims of car accidents, medical expenses will quickly mount and accident victims should act fast to preserve their legal rights. To schedule a free consultation to discuss your potential car accident case, contact Michael R. Lawless, PA by calling our office locally at (913) 681-5566, or you may call us toll-free at (800) 734-3771.  You may also contact us online and we will respond to your inquiry as soon as possible.