Comparing apples to apples or liability policy to liability policy
I must admit, I though most insurance polices were similar. You know, if you carry liability coverage, you basically carry the same coverage that I do, except that you have different limits and/or deductibles.
I was wrong. I took several polices and compared the “same coverages”. I came to the conclusion that the coverages are simply not the same. Some polices will cover you if you a pedestrian and you get hit under the PIP coverage, some will not cover you unless you are “using your auto.”
Some policies under Collision will cover you if you get in an accident while driving a rental car. Some will not. Some others will cover you against a lawsuit if you were under the influence of alcohol, some will deny you that coverage.
My point? When comparing auto polices, there is more than just rates and limits. Cheaper polices tend to exclude important coverages. Ask your agent for specific details of what is and what is not covered. Then you can make a decision if you policy is a good deal or not.
For more information about auto coverages visit:
http://www.auto-insurance-claim-advice.com/insurance-coverages.html
