Episode 21: Car Insurance Demystified

Host: Sidney Wheelan

Topic: Essential Car Insurance Coverages

Key points:

• Car insurance protects you financially after a collision.
• There are many coverages, but four are essential.

Liability coverage: Covers injuries/damages you cause to others (required by most states).

• Minimum limits may not be enough. Consider buying more protection.

Uninsured motorist coverage: Covers you if hit by a driver with no insurance.

• Minimum limits may not be enough. Consider buying more protection.

Underinsured motorist coverage: Covers you if hit by a driver with not enough insurance to cover your damages.

• Not mandatory but recommended.
• Understand your policy limits and step-down provisions.

Medical payments coverage (Med Pay): Covers medical bills for anyone injured in your car, regardless of fault.

• Relatively inexpensive and helpful for passengers without health insurance.

Call to action:

• If you have questions, contact The Wheelan Law Firm, LLC.
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