HANDYMAN 
Knowledge of Handyman Auto Insurance Coverage Makes a Difference
Knowledge of Handyman Auto Insurance Coverage Makes a Difference: The majority of motorists on the road will need to purchase an automobile policy at some point in time. With automobile insurance coverage being such an important product that can protect assets and pay for expenses resulting from traffic accidents, it is important to choose options carefully. Unfortunately, studies show that many consumers do not fully understand the policy that they have purchased and what may be covered by an insurer following an accident.
Having a good understanding about one’s protection plan is an essential way to maintain the proper levels of coverage and remain aware of possible charges. The National Association of Insurance Commissioners (NAIC) conducted the Insurance Intelligence Quotient Study in 2010 which indicated that some people know very little about their policies. According to the survey, Americans are becoming less confident with their coverage related decision making, which has now reached a level of 45%. During the survey consisting of a thousand people, on average, participants answered only 4 out of 10 questions correctly. 86% of Americans were unaware that when their liability is stated as 100/300/100, that the final number in the sequence represents what the insurer will pay for third party property damage sustained in an accident. With nearly three-fourths (75%) of Americans admitting to taking the cost of maintaining a policy into consideration when planning their annual household budget, drivers should become better educated in policies they purchase.
Consider Liability Insurance Coverage Limits
Not having a good grasp on the details of a coverage plan could leave a policyholder susceptible to many different costs associated with an automobile accident. Most states have liability requirements that must be met, yet the minimum allowances are often very low. In Ohio the required liability is only $12,500 for bodily injury to one person, $25,000 for bodily injury to two or more people and $7,500 for property damage, which means that if an Ohioan motorist strikes another vehicle then their insurance provider would only pay up to $7,500 for the cost of damages to the other car. According to the Federal Trade Commission the average cost of a new car is $28,400; this means that if the other driver owned a fairly new vehicle, then the policyholder would end up paying a considerable amount of money out of pocket to cover any remaining costs of damages.
State officials will often advise vehicle owners to increase their liability limits in order to offer an ideal level of protection, which will often only slightly raise premiums, but the benefits of being adequately covered often outweigh these expenses. It is important for consumers to understand their coverage and what they could potentially be paying in the event of an accident. Becoming educated on these topics is easy and convenient with the use of modern technology. Exploring different state government websites, for example, is an excellent way to find lists of different types of coverage that is typically offered, as well as extensive descriptions.
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