Car insurance often seems like quite an expense, especially when you see the cost of your annual premium on paper. Whether, you pay in a lump sum or in installments, it really can be a costly addition to your motoring. However, when you consider the alternative and the costs related to legal fees associated with car insurance cover you realise the value it truly is for both car leasing and owned cars.
One of the most important parts of comprehensive insurance cover is personal injury cover. This ensures that you are covered and so are any other people who may be affected by an accident caused by you. Of course, should the accident be someone else’s fault then their insurance should cover your injuries and other related issues.
Car Insurance – What to Cover
When taking out a new insurance policy it can make sense to ensure your policy covers personal injury insurance. Personal injury cover will look after you in minor incidents such as hospital treatment for cuts and grazes or the more serious issues that can result from car injuries. This car insurance addition will cover all the treatments directly after and in the long term after an accident and removes a lot of the financial worries you will have after an accident.
Personal injury cover will add to the cost of your car insurance, though is often included in many policies. Of course, the price of adding personal injury insurance to car insurance will depend on your circumstances and also your past record, while driving. This may be a determinate in whether you wish to spend the cash or not. However, it can make things a lot easier should you end up in a motoring accident.
Personal injury insurance covers numerous expenses and though it often depends on the policy, many of these covers will include:
Income Continuation – if you cannot work and end up having to take time off when you heal from injuries related to the crash.
They also often include other factors such as funeral expenses and childcare expenses – two significant costs.
How much do I need?
The amount of cover you require will depend on the other policies you have as well as how much you can afford. As with most things in life it is better to be safe than sorry and the higher coverage limits the more cover you have for a rainy day. Some cover protects savings, arrangements for retirement and education and other additions. Pick and choose a policy around your needs.
Personal insurance cover can be a great benefit to those that drive and offers that peace of mind you require.