What Does Your Insurance Cover?

By Mark T. Flickinger, JD on June 18, 2019

What Does Your Insurance Cover?

Insurance is a critical part of our lives. We purchase insurance to protect us in the event of an accident, disaster, or simple mistake. Insurance is meant to provide financial support and compensation when you encounter these unexpected, unwanted events. Everyone is required to have basic health and auto insurance. Most people have some type of insurance for their living situation, whether renter’s or homeowner’s insurance. You can also take out life insurance, insurance for boats, trampolines, possessions, and properties. 

You pay your premiums every month, and maybe you even know your deductible. But do you know exactly what your insurance covers? When you encounter a car accident, injury, loss, or another mishap you may quickly realize that you don’t know as much as you thought about your insurance policy. By then, it may be too late to remedy your situation, so instead learn from our Provo Injury and Accident Attorneys at Flickinger, Sutterfield, and Boulton and assess your insurance situation today. 

What Does Your Insurance Policy Cover? 

Begin by writing down your premium and deductible. Your premium is the amount you pay, usually monthly or biyearly. Your deductible is how much you will be expected to pay yourself before your insurance will jump in to cover the rest. For example, your auto insurance may be $100 a month and require you to pay $2,000 of your car repairs before they will begin paying. 

Next, you should see exactly what is covered by your insurance policy. For your health insurance, you may have free preventative care, such as vaccinations and yearly checkups, but ambulance rides may only be covered at 20% of the total cost. Your homeowner’s insurance will cover a certain amount of valuables if they’re stolen or damaged in your home. Carefully read through your insurance policy, even if it’s complicated. Use a highlighter to note what is covered. 

The final step is to look for important gaps in your coverage. For example, home insurance usually doesn’t cover flood. You can add it for an extra cost, which is a good idea if you live in an area prone to floods or lower land in a region. Does your auto insurance cover you if you’re hit by an uninsured driver? What about other people driving your car? Does your health insurance cover dental or vision? You can adjust and shop around for better insurance with more desirable premium/deductible arrangements as well as more optimal coverage, as there are always good comparisons and competing costs. 

After an Accident

Having quick access to your policy is key, whether it’s a paper copy of your explanation of benefits, or online access to insurance resources so that you can instantly check to see how much will be covered by your insurance. Our injury attorneys are well-versed in insurance policies and working with insurance agents so that we can help you maximize your compensation and help you get the assistance you need for your accident or injury. Start by calling Flickinger, Sutterfield, and Boulton today! 

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