Aflac Auto Insurance Review

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Aflac Auto Insurance Review

via Auto Insurance by Editor on 11/24/11

People know the Aflac insurance company as a provider of private disability insurance, but what is generally unknown is that it also sells auto insurance. Technically, the auto insurance that Aflac sells is supplemental to auto insurance policies that are already in place, but it is specifically related to injuries suffered in auto accidents. Compare auto insurance rates by state with our FREE ZIP code search!

How Aflac Auto Insurance Is Different from Regular Auto Insurance

After being injured in an accident, people can have several different types of treatment they will need to pay for and they, sometimes, have trouble convincing their auto insurance or their health insurance companies to pay for them. Aflac Auto Insurance does pay for these types of medical expenses such as:

1. Long stays in the hospitalclaims car insurance
2. Lost wages for the short-term
3. Money to help pay every day expenses
4. The ambulance ride to the hospital
5. The emergency room bills
6. Having broken teeth fixed
7. The costs associated with Intensive Care

Convenient Payment from the Aflac Supplemental Policy

The convenience of the Aflac Auto Insurance policy is that the money they receive for their bills will be sent directly to them rather than to the various medical professionals. When auto insurance or health insurance companies pay the benefits due their clients, they will pay the hospital or the doctor's office.
People are not always prepared for how they will support themselves and their families if they are ever seriously injured in a car accident and need to take several weeks or months to recover. But, Aflac Auto Insurance gives them money they can use any way they see fit to the pay the medical expenses as well as the grocery bills until they can return to work.

The Necessary Liability Coverage

Some states don't limit the times that drivers can sue each other when one hits another, but they do require that every driver purchase liability insurance before they can take their cars on the roads. These states are called tort states.
Liability requirement apply to the bodily injuries that often occur when there is a car collision on the highways and the surface streets. Drivers must also be able to pay the auto body and mechanic repair bills for the people they hit.
For example, the liability limits for drivers in Georgia are:

1. If one person has been injured, the at-fault driver must have insurance in the amount of $25,000 for this person's medical expenses
2. The entire accident will require $50,000 of bodily injury liability coverage to meet the state's minimum requirement law
3. They must also be able to provide $25,000 for all property damage repair bills for the entire accident

Being Hit By an Underinsured Motorist

In the event that someone is hit by a driver in Georgia who has purchased only the limits for bodily injuries, the injured party can only collect $25,000 for medical bills. If the bills surpass this amount, the injured driver may sue the at-fault driver for the rest of the money. Know your state auto insurance laws and drive safely.

claims car insuranceLawsuits Can Be Futile

It wouldn't be unheard of if the at-fault driver were incapable of paying the remainder of the injured driver's medical bills. This person could be insolvent, and the injured driver would have to continue with his treatment on his own.

How Aflac Auto Insurance Can Help

The above scenario is exactly what Aflac's supplemental auto insurance policies were designed to cover. After the at-fault driver's auto insurance company has paid the bills up to $25,000 for the injured driver, his Aflac auto insurance would take over the rest of the bills when the at-fault driver cannot.

Optional Auto Insurance Coverage

Because liability coverage doesn't cover the medical expenses of the policyholder, drivers can choose to purchase optional auto insurance coverage. In this case, Medical Payments pays the medical bills of the at-fault driver, but it also has a limit.
Insurance companies place limits on how much insurance people can purchase for Medical Payments and once they reach this limit after an accident, they have to continue paying the bills on their own. In this case, these drivers were at-fault, so they don't have anyone to sue.

A Second Use for Aflac Auto Insurance

The outline above is also a time for Aflac Auto Insurance coverage. After the Medical Payments coverage has been depleted, the supplemental coverage from their Alfac Auto Insurance coverage will continue to ensure that the injured policyholder's bills are paid.

claims car insuranceCompare Quotes for Auto Insurance Policies

The Aflac Auto Insurance supplemental policy covers the bills when auto or health insurance either runs out or denies a claim. They can purchase this very useful form of insurance after comparing quotes from Aflac Auto Insurance and many other auto insurance companies.
By comparing auto insurance quotes, they can be sure that they are receiving the best deal, and they can protect themselves and their families from experiencing financial hardship after their main insurance coverage comes to an end. Find cheap car insurance by entering your ZIP code and comparing car insurance companies INSTANTLY!

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