The Law Down is a recurring segment featured on Connecticut’s Morning Buzz, where Personal Injury Attorney Brooke Goff shares her insights on important legal topics with our viewers and Reporter Jillian Andrews. Today, they discussed the crucial topic of understanding your insurance policy, focusing on auto insurance coverage. Attorney Goff emphasized the importance of knowing what your insurance policy truly covers, as many people mistakenly believe they have “full coverage” when, in reality, they are underinsured.
Key points Attorney Goff made about insurance coverage include:
- Liability Coverage: This covers damages if you’re at fault in an accident, but many are underinsured, thinking state minimums are enough.
- Under-Insured/Uninsured Motorist Coverage: Protects you if the other driver lacks adequate insurance. Goff recommends matching this to your liability coverage.
- Med Pay: Offers free medical coverage in the event of an accident, which Goff advises setting at a minimum of $5,000.
- Collision Coverage: Critical for covering vehicle repair costs; Goff suggests keeping deductibles manageable based on what you can afford.