Choosing Better Insurance Coverage

Few things are more important than having the right insurance coverage. About ten years ago, I was involved in a near-fatal crash where I experienced traumatic physical and emotional injuries. It was really challenging for me to endure the hospital stay and subsequent physical rehabilitation, but with the help of my medical team and my insurance company, I was able to overcome the challenge and completely recover. This blog is all about the importance of choosing the right insurance plan so that you can get on with your life and enjoy those precious years with your family and your friends.

Is Your Pet Covered By Your Car Insurance In An Accident?

Insurance Blog

Do you have a pet that rides with you in the car when doing errands, or travels with you daily to go to work with you or a pet daycare? This is pretty normal, since pets love riding in the car and adults enjoy having their company. One thing that you should be aware of is if car insurance will cover your pet if you were to get into an accident with them in the vehicle. If they are not covered and an injury occurs, you could end up paying a lot of money to have their injuries treated. Here is what you should do to make sure they are covered.

Ask Your Car Insurance Agent

The best way to get an answer to this question is to discuss it with your car insurance agent. It's possible that your current car insurance policy already has coverage for pets that are traveling with you in the car. If you discover that you do have coverage, find out exactly what kind of coverage you will have. Coverage for pets may be different than for adults, and you should know if coverage extends to all necessary medical treatments such as surgery and essential medication.

You should also ask how payments are made. It may be required that you make payments to your vet and submit bills to the insurance company for reimbursement, or the insurance provider may directly pay all bills.

Add A Car Insurance Rider

Riders are essentially mini-policies that are added on to primary policies. A rider is typically designed to only cover a single thing. For instance, a rider covering your pet would stipulate the limits for a payout you would receive to cover your pet's injuries in an accident. It's even possible to receive a payout if the pet died as a result of a car accident.

Even if you have basic pet coverage under an existing auto insurance policy, a rider may still be necessary for special circumstances. You may have a pet who has a very high value because they are a show animal. If you breed your animals, the damages caused to a pet in an accident may impact future income. You could get additional coverage in a rider that reflects this and gives you additional protection.

No matter what the situation is, make sure your pet is covered in the event of a car accident. Speak with an agent like those found at Pegram Insurance today to ensure that you know your policies.


12 July 2016