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Common Auto Insurance Myths

Many myths circulate about auto insurance and here are a few of them:

  • There is no insurance that covers any damages to your car from winter road erosion or potholes.

According to the Insurance Information Institute (III), there is insurance coverage for potholes and winter-related damage. Collision insurance has an optional section for pothole coverage. Comprehensive auto insurance covers winter-related damage such as ice falling on a car and even damage from hail, fire, earthquakes and floods, for that matter.

  • If you are self-employed and drive your car for work, your personal auto insurance covers accidents.

Personal auto insurance does not cover accidents that occur when driving for business reasons, but commercial car insurance would cover the accident.

  • Compensatory damages for pain and suffering are three times the cost of the medical bills.

Each case is different and is based on its own merit. In a case involving severe and lifelong disability, the compensatory amount for pain and suffering would be much greater than a case that does not involve severe or permanent injury.

  • If you receive Med Pay, the insurance company cannot subrogate.

Your insurance policy fine print tells you whether or not your insurance carrier can request a reimbursement (subrogation) after your personal injury settlement. Based on the policy, insurance companies can and do request reimbursements of Med Pay.

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