Five Auto Insurance Mistakes to Avoid at All Costs

Come armed with knowledge, and you will get the best deal on auto insurance for you and your vehicle. However, go into it with only the slightest grasp of what you should be looking for, and it could cost you. Therefore, you need to know what to look out for.

How to Avoid Making Five Common Auto Insurance Mistakes

Some of the most common mistakes that people make when it comes to auto insurance include:

• Not understanding the coverage you need or have already purchased.

As the owner of a vehicle, you should know what coverage you are looking for and what you could have. You should feel free to shop around for auto insurance. Just be cautious. Insurance companies do not have your best interests in mind. Remember, these companies are first and foremost concerned with making money.

• Mistakenly believing that you are covered for everything.

Not all auto insurance policies are the same. Despite what you might be paying in deductibles and premiums, different policies will cover different things. Make sure you know what is in your policy. For instance, do you have Personal Injury Protection (PIP)? Although it is required in Texas, you can be tricked into signing out of this common protection policy. The same is true of coverage for underinsured or uninsured motorists (UM/UIM coverage).

• Taking the minimum coverage that your state asks for.

The minimum coverage will not cover all the potential hazards out there on the roadways. A decent policy can help provide adequate coverage for medical bills, funeral costs and other expenses associated with a motor vehicle accident. For this reason, it is imperative that you avoid taking a policy with minimum coverage.

• Choosing Med Pay instead of PIP.

You should ensure that you have PIP coverage on your policy. PIP coverage can help pay for many expenses that occur after a motor vehicle accident involving injuries. On the other hand, Med Pay covers hospital bills, but not lost income. Med Pay is also subject to subrogation. This means that you will have to pay back Med Pay benefits if you obtain a settlement. PIP coverage is not subject to subrogation in Texas.

• Focusing only on price.

Do not just go for the lowest deductible. Find the policy that best suits you, even if you have to pay a little more. It will be worth it in the end if something happens.Contact Mike Love & Associates, LLC TodayThe Texas auto accident lawyers at Mike Love & Associates, LLC are dedicated to the community. If you have questions about your insurance policy, we may be able to help you find answers. You may also contact us for a free consultation if you or a loved one were harmed in a car accident.

How Does Texas PIP Coverage Protect Me After a Car Accident?

Under Texas law, insurance companies are required to give drivers and passengers Personal Injury Protection insurance coverage, also known as PIP. This type of auto coverage pays for certain damages that resulted from a car accident. Texas PIP coverage is mandatory, and it offers coverage for any policyholders and household members that were involved in the accident. However, the coverage can be rejected by the person purchasing the policy.

Do I Need PIP Auto Coverage as a Texas Resident?

PIP can help pay for any medical expenses that you or your passengers might encounter after a serious car accident. This includes medical and surgical treatment, ambulance services, medications resulting from accident injuries and medical supplies. PIP coverage will also pay up to 80% of your lost wages if you miss work due to injuries received in a car accident.Check with your auto insurance provider and personal injury attorney to determine the specific coverage limits of your PIP coverage.

How Do I File a PIP Claim in Texas?

Call your insurance company after the car accident to report the incident. Make sure to ask for a PIP claim form. PIP claims have to be submitted within a specific time frame. PIP coverage also has maximum limits that can be paid, but fortunately they don’t have deductible amounts that you need to pay.If you have been involved in a car accident in Texas, you should speak with Mike Love & Associates, LLC to obtain passionate and experienced representation. We offer free auto insurance policy reviews so you can understand what coverage can be available to you. Contact us today for a free consultation.

Do Texas Drivers Rank Among the Worst for Aggressive Driving?

A new study claims that Texas drivers are among the angriest in the country. According to GasBuddy, which conducted a national survey on aggressive driving, Texas motorists are the 4^th most aggressive in the country.GasBuddy, a company that operates apps for finding fuel prices, conducted its research by compiling data from its Trips feature. The feature provides motorists with assessments of their driving habits. Trips allows users to assess their aggressive driving habits, such as hard braking, speeding and rapid acceleration. Hard braking was the most common aggressive driving habit reported by Trips users.The survey’s findings indicate that aggressive driving occurs most often in densely populated cities with lots of congestion. While this means you are more likely to encounter aggressive drivers in nearby Houston, it does not mean Angelina County is immune to road rage. There are steps that you can take to reduce your chances of being in an accident or other confrontation with an aggressive driver.

Warning Signs You Are Dealing with an Angry Driver

Angry drivers can put you and others at an increased risk of suffering harm in a car accident. You should never escalate the situation if you are confronted by an angry driver. In some cases, it may be necessary to drive to a safe (populated) area to contact the police. Some road rage incidents involve violence or firearms.Be aware of warning signs of aggressive driving that include but are not limited to:

• Speeding. Drivers who are angry are more likely to speed. Unfortunately, speeding is a major cause of car accidents in the US each year.
• Tailgating. If another driver is upset with you, then they may drive very close to the rear of your vehicle. Tailgating could lead to a rear-end accident.
• Unsafe lane changes. Angry drivers may conduct quick and aggressive lane changes. Some drivers may shift to the shoulder lane to pass other motorists.
• Failing to follow traffic signals or signs. Aggressive drivers who are short on patience may run red lights or stop signs.

Of course, there are other warnings signs of angry driving that most of you are familiar with. Angry drivers may use honking or hand gestures.The Texas car accident lawyers at Mike Love & Associates, LLC encourage safe driving. For future updates on our blog, continue to follow us on Facebook and Twitter. If you have questions about your rights after a car accident, call us at (936) 632-2000 or use our online contact form.