Our attempt here is to explain many of the situations you need to consider in determining what is best for you and your family.

There is no free lunch - if you do not pay for medical coverage under your automobile insurance policy, you will pay for it somewhere else. Under your medical coverage you will pay deductibles and co-pays. Of course, your passengers may not have medical coverage. If the other party in an accident is negligent they may not have insurance to cover you or your passengers.

You can add medical payments coverage to your automobile policy but, in most cases, not to the limit previously available under the personal injury protection (PIP) portion of No-Fault. Additionally, there were features of your PIP coverage that will not be covered under any medical coverage (work loss, extensive rehabilitation, essential services, and adequate life insurance). We can help you make sure that some of these expenses are picked up through other products such as disability insurance, life insurance, and long-term care coverage.

In addition to adding or increasing your medical coverage you should be certain that your liability limits are adequate to protect your assets in the event you are at fault in an accident and held liable for all injuries to passengers in your vehicle and the other involved. If the other party is at fault but has no insurance or has inadequate limits to cover your injuries or cost of rehabilitation you will have to look to your own uninsured/underinsured motorists coverage. Are these limits adequate? They should match what you carry for bodily injury and property damage. Estimates are over thirty percent of the autos are uninsured. In many cases the worst drivers drive those cars. We would welcome the opportunity to discuss an umbrella policy with you.