Do You Have Enough Car Insurance?

If you are relying on auto insurance minimums, you are severely underinsured.Do You Have Enough Car Insurance?

As a car owner, you know how important it is to have the right auto insurance protections in place. However, how do you know exactly how much insurance you should have? Here’s how you can tell if you are underinsured and how you can secure the additional car coverages that you need to protect yourself.

Underinsured?

In actuality, there is no set coverage amount that separates the well-insured from the underinsured. However, if you are relying on an auto policy that only satisfies your state’s legal insurance minimums, you are almost certainly underinsured. State auto insurance minimums provide only the barest, most basic forms of coverage, and relying on this coverage alone means that you probably won’t be able to fully cover any of the claims you might have to file. Keep in mind that you are financially responsible for covering whatever your auto insurance cannot. So, if you want to reduce your risk and avoid paying out-of-pocket for claims, consider raising your coverage limits.

Securing Additional Coverage

Luckily, securing additional auto coverages is as easy as calling your insurance provider. Not only can you increase your existing coverage limits, but you can also add additional coverages to your policy that you did not have before. For instance, ask about securing collision, comprehensive, medical payments, uninsured motorist, and roadside assistance coverages. If you are not sure how much you should increase your current coverage limits, ask your insurer for their expert opinion. They should be able to offer you several options and explain how each will affect your premiums. Any time you increase your coverage, you will increase your insurance rates. However, this is a small price to pay to ensure that you have the comprehensive protection that you need.

Interested in securing the comprehensive auto insurance that you need to stay safe?  Then contact the experts at Miller Carlisle Insurance Services.  Our dedicated team is ready to get you the coverage that you need today.

Getting Coverage After Your Auto Policy Has Lapsed

Here’s what you can do to secure auto coverage if you’ve accidentally allowed your policy to lapse.Getting Coverage After Your Auto Policy Has Lapsed

Whether you have forgotten to make a payment or have forgotten to renew your policy, there are many instances in which drivers have accidentally allowed their car insurance to lapse. If this happens to you, it’s incredibly important to quickly regain the coverage you have lost. Here are some of the ways you can secure coverage after your auto policy has lapsed.

Ask to Have Your Policy Reinstated

The easiest and most straightforward way to regain the coverage you have lost is by contacting your auto insurance provider and requesting to have your policy reinstated. If you have simply missed a payment but are otherwise in good standing with your insurer, they will likely reinstate your policy.

However, some insurers aren’t quite so generous. Some might only reinstate your policy after you have paid a penalty fee and some might refuse to reinstate your policy at all. Keep in mind that your insurer is not required to reinstate your policy if you have allowed it to lapse. If you have missed your reinstatement grace period or have proven yourself too risky to insure, your insurance provider has every right to cancel your policy.

These are some of the steps that you can take to get auto coverage after accidentally allowing your policy to lapse.  Do you have additional questions regarding your auto insurance?  If so, don’t hesitate to contact us at Miller Carlisle Insurance Services.  Our dedicated team is eager to assist you with all your coverage needs today.

Try Out These Defensive Driving Tips

Here are some of the defensive driving tips that all drivers can benefit from. Try Out These Defensive Driving Tips

Responsible drivers do everything in their power to keep themselves and those around them safe. One of the best ways to protect yourself is by employing defensive driving strategies. Luckily, there are several defensive driving behaviors that all drivers can benefit from. Here are some of the tips you should keep in mind when you are behind the wheel.

Scan the Area Around You

Many drivers fall into the habit of only looking right in front of their cars as they drive. However, this tunnel vision could prevent you from recognizing a driving hazard until it’s too late. This is why you should make sure that you are checking your rearview and side mirrors and checking your blind spot as you drive. This will increase your awareness and decrease your chances of getting into an accident.

Avoid Tailgating

Tailgating isn’t just rude, it’s also rather dangerous. If you follow the car in front of you too closely, you might not be leaving yourself enough time to react to the other driver’s actions. For instance, if they were to suddenly slam on their brakes, you likely would not have enough time to react, causing you to rear-end them. This accident could have been easily avoided if you simply followed at a safe distance.

Remove Distractions

Safe drivers focus their full attention on the road. This is why you should do everything you can to reduce the distractions inside your vehicle. Keeping your volume turned down, your phone out of reach, and your passengers under control will make it easier to focus on the task of driving.

These are some of the defensive driving tips that all drivers should employ.  Want another way to stay safe behind the wheel?  Then make sure you have the proper auto insurance protections in place.  For assistance with your coverage needs, contact Miller Carlisle Insurance Services today.

Signs That Seniors Should Stop Driving

Seniors, watch out for these indications that it’s time to stop driving.Signs That Seniors Should Stop Driving

While it’s unpleasant to think about, there comes a time when you become too old to drive safely. While deciding to hang up your keys for good is an incredibly difficult decision to make, it’s important to remember your lapse in driving abilities could place innocent lives at risk. If you want to keep the roadways safe, look out for these signs that you are no longer safe to drive.

Physical Inability to Operate a Car

There are many physical indications that you are no longer safe to drive. For instance, if you struggle to hold the wheel straight, have difficulty turning the wheel, or have a hard time shifting your car into gear, this shows that you lack the physical strength and dexterity to safely operate a vehicle. Additionally, if you have trouble applying steady pressure on your gas and brake pedals, this too indicates that you should no longer drive.

Confusion and Lack of Awareness

Aside from physical signs, there are also indications that you lack the focus necessary to drive safely. For instance, if you find yourself confusing your gas and brake pedals, forgetting where you are going, or getting lost even in familiar areas, then these are all signs that you should give up your keys. Lack of awareness can also indicate an inability to drive safely. This can be difficult to diagnose on your own, but if passengers tell you that you regularly miss traffic signs (such as stop signs) and have difficulty keeping up with the flow of traffic (either driving too slowly or speeding), then you should probably stop driving.

These are some of the signs that indicate that you are no longer safe to drive.  Not ready to give up the keys but still want to stay safe behind the wheel?  Then make sure you have the right auto insurance protections in place.  For assistance with your coverage needs, contact Miller Carlisle Insurance Services today.

Insurance That College Students Need

Here are some of the coverages that your college student should have in place.Insurance That College Students Need

Is your child heading off to college this fall? If so, it’s important that they are ready to handle everything that comes their way. One of the best ways to ensure that they are prepared is by securing the right insurance coverage to meet their needs. Here are some of the coverages that your student might need this semester.

  • Renters Insurance

Whether your child is living on or off-campus, they will need protection for their personal belongings. Getting the right renters insurance will ensure that they have coverage for any possessions that are damaged or stolen. Additionally, securing the right renters policy will also ensure that they are covered in the event that a personal liability issue arises.

  • Auto Insurance

If your student plans on taking a car with them to campus, they will need to have the right auto insurance protections in place. If your child’s school is in-state, they will likely have coverage under your family’s existing auto policy. However, if they are attending school out-of-state or if they meet certain conditions, they may need their own policy. Be sure to speak to your auto insurance provider to learn about all their coverage options.

  • Health Insurance

Nowadays, colleges require students to have some minimum level of health insurance. Generally, schools offer students the option of enrolling in a school health program or showing proof of coverage under a parent’s policy. If you want to keep your child under your health policy, make sure you speak to your insurer and your child’s school to ensure that they will have adequate coverage.

These are some of the insurance protections that your college student should have in place.  Looking for assistance with your personal coverage needs?  Then contact the experts at Miller Carlisle Insurance Services today.

Breaking Down Your Auto Insurance Quote

Use this guide to help you decipher your auto insurance quote.Breaking Down Your Auto Insurance Quote

As a driver, you understand how important it is to have the right auto insurance protections in place. If you are looking for the right car insurance, you have likely requested a quote from different insurance companies. However, once you receive your quote, you might realize that you have no idea how to read it. If this is the case for you, don’t worry; you are not alone. Many people struggle to make sense of the information offered in their insurance quote. Use this information to help you break down your car insurance quote.

The Deck Page

The first page of your insurance quote is known as the declarations, or “deck” page. This page will include information that’s specific to you. For instance, it will show the car you want to insure, additional insured drivers, discounts, deductibles, and so on. In addition to this information, at the top of the page you will notice three numbers such as “50/150/35.” These numbers denote the dollar amounts (in thousands) of coverage you are quoted for. The first number refers to the maximum bodily injury coverage you will receive per person. Based on the given example, this would mean that your quote is offering you $50,000 of bodily injury coverage per person. The second number denotes the maximum bodily injury coverage you would receive for all injuries sustained in an accident. In this example, this would translate into $150,000 of total bodily injury coverage. Finally, the third number refers to the maximum property damage liability coverage you are quoted for. Based on the example, this would mean a coverage quote of $35,000 for property liability damage.

Available Coverages

Another important part of understanding your insurance quote is understanding all the different coverage options available to you. For instance, some of the most common auto coverages include:

  • Liability coverage: This coverage would protect you if you were responsible for causing injury or property damage to a third-party. This coverage would also kick in and cover your legal fees if the affected party attempted to sue you for the damages.
  • Collision coverage: This would cover the damages that your car might sustain during a collision event.
  • Comprehensive coverage: This would cover any damages that your car might sustain outside of a collision event, such as the damages caused by vandalism, fire, or an extreme weather event.
  • Medical payments coverage: This coverage would pay for the medical treatment that you and your passengers might require after a collision event. This is a ‘no-fault’ coverage meaning that you can access this coverage regardless of which driver was at fault for the accident.
  • Under/Uninsured motorist coverage: This would cover you in the event that you got into an accident with a driver who did not have adequate insurance coverage to address the cost of your repairs or medical costs.

Use this information to help you better understand your auto insurance quote.  Are you looking for further assistance with your auto insurance?  Then don’t hesitate to contact the experts at Miller Carlisle Insurance Services.  Our professionals are ready to get you the coverage that you need today.

Why You Should File a Police Report After an Accident

Filing a police report after an accident will protect you and assist with your insurance claim.Why You Should File a Police Report After an Accident

It’s no secret that dealing with a car accident is a hassle, which is why it might be tempting to forgo calling the police, especially if you’ve already assessed the damage and exchanged information with the other driver. However, failing to file a police report could be a costly mistake, especially if you are not at fault for the accident. Here’s why it always pays to file a police report.

Simply exchanging contact and insurance information with the other driver is not enough to ensure that you will receive the necessary compensation to address your car’s repairs. For instance, it’s possible that the other driver has given you false information. If this is the case, then you would have no way to track the other driver down and you would be left to cover the cost of your repairs on your own.

When you call the police to the scene of the accident, they will interview involved motorists, speak to witnesses, and investigate the scene of the accident. This ensures that there is documentation about what really happened. Additionally, this will ensure that the other driver does not suddenly change their story in a way that would make it seem like you are at fault.

Perhaps most importantly, having an official police report will expedite your insurance claims process. When your insurance company can reference the information included in the police report, they can verify the conditions under which the accident took place. This, in turn, will improve your chances of receiving compensation to address your car’s repairs and any injuries you might have sustained. If you forgo the police report, you risk receiving a lower insurance payout or, worse, not receiving compensation at all.

This is why you should always file a police report after being involved in an auto accident.  Do you have further questions regarding your auto insurance?  Then don’t hesitate to contact the experts at Miller Carlisle Insurance Services.  Our dedicated team is eager to get you the coverage that you need today.