Do You Understand Your Auto Insurance Policy?

Do You Understand Your Auto Insurance Policy?

This article was written by Rodney d young insurance company to help you better understand your auto insurance policy, more specifically how car accidents are determined to be your fault or not. There are a lot of things to consider if you with your insurance, one of them is to make sure you are paying for the right investment. Yes, investment, having a Rodney d young insurance is an investment that you hope you will never have to ‘tap’ into, but from time to time you will. That is why it is important to look over your auto insurance because in the insurance industry you get what you pay for.

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  1. No matter where you live or what type of climate you live in you will experience hydroplaning. A snowstorm has blanketed your town or a light rain shower has just rolled through. This causes every road in your town to be slippery. But you still have to run your errands before the end of the day, because of course, you waited until the last minute to finish them. But you are hesitant because you know most likely know the roads are slippery. But duty calls so you leave the house and drive extra slow and less aggressive than normal. It doesn’t matter how careful you are, nature has a way of reminding us that we have no control over it or our destiny for that matter. So, you hydroplane and hit into another vehicle. Now what?
  2. There is nothing more terrifying than to lose control of your vehicle do to no fault of your own. So, what happens when your car decides to hydroplane and crash into another vehicle? You would think well it’s not my fault, it’s the weather’s fault that my car decided to hydroplane, right? You had absolutely no control over your car at that moment, meaning who wants to intentionally crash their car? No One, Duh! So, you call Rodney d young commercial and tell them you hit another vehicle because your car hydroplaned due to icy or wet road conditions. They then deem your accident an at-fault accident.
  3. An at-fault accident is given to the party who is deemed to be more responsible in the cause of the accident or have a bigger degree of fault. This means Rodney d young will be responsible for the repair of the vehicle you hit and any medical bills for anyone injured. As soon as you get into your vehicle and make that decision to drive in the slippery driving conditions, it is ultimately your fault. However, there are some states who have done away with the at fault determination. If you live in a no-fault state, then in this example your PIP or Personal Injury Protection insurance will pay for medical bills. Your liability coverage of your auto insurance policy will cover the costs to repair the other vehicle. If your vehicle is also damaged then you can use your collision coverage to repair your vehicle. Living in a state where there is no at fault determination only relates to injury. But you still are technically deemed ‘at fault’ for the liability portion of the accident.
  4. If you think about how you were driving and ask yourself, “Was I driving too fast?”. Were you paying close enough attention to your surroundings, were you following too close to the car in front of you? These are all valid points and the Rodney d young will say you didn’t do enough to ensure you wouldn’t hydroplane. This is the basis of why it is an at-fault accident.
  5. I know it seems unfair, but from the insurance company. Also, be aware that any at-fault accident that goes onto your driving record will stay on your file for three years. You can also expect to see a surcharge on your insurance bill, so this means every year for the next three years you will be charged extra for that accident.
  6. Unfortunately, there are a lot of things out of our control. This is why you should make sure you have adequate insurance to cover accidents that you have no control over. Check with Rodney d young website to see if you can increase your limits, this can be at any time not just at renewal. Insurance is an investment and in insurance, you get what you pay for.

 List of no At-Fault States:

 *Puerto Rico have no-fault auto insurance laws.

  1. Florida
  2. Michigan
  3. New Jersey
  4. New York
  5. Pennsylvania
  6. Hawaii
  7. Kansas
  8. Kentucky
  9. Massachusetts
  10. Minnesota
  11. North Dakota
  12. Utah

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