Think You Have "Full Coverage?"
Think Again!
Is your insurance coverage glass half empty or half full? You may be surprised to learn that having full insurance coverage is not what you think it is – and it could leave you with empty pockets if not properly addressed.
Having sufficient automobile liability coverage and limits is
a necessity, said Michael Czack, president of The Czack Law Firm. “As a motorist, you always want to make sure you have enough insurance coverage to protect yourself should a claim be filed against you so that it doesn’t exceed the amount of your liability insurance coverage,” he said.
Full coverage isn’t necessarily a specific coverage offered by your insurance company. While this term is well known throughout the insurance industry, most insurance providers do not spell out specifically for their customers what having full coverage means.
Insurance providers commonly use the abbreviation PLPD – Personal Liability (PL) and Property Damage (PD). Personal liability coverage can cover another person’s injuries, pain, and suffering if you are at fault – and liable – in an accident. Property damage provides you with coverage in the event you cause damage (i.e., damage to another vehicle, a street sign, mail box, and dwelling) to someone’s property with your vehicle.
“Every motorist needs liability insurance and in most states this type of insurance is required by law,” Mr. Czack said. “You should discuss how much liability insurance coverage you need with your insurance agent or an attorney so that you have the maximum liability coverage possible to protect yourself in the event you or a family member is involved in a serious accident.”
Mr. Czack said a motorist never wants to be in a situation where they have a claim made against them that exceeds the amount of their liability coverage.
“You can protect yourself against a claim exceeding your liability coverage by having additional ‘umbrella’
coverage,” he said. “Umbrella coverage is essentially additional liability insurance. If you are in an accident and cause an injury to someone else, your primary insurance policies will pay up to their coverage limits. Any additional amount is paid by the umbrella policy -- up to the limit of
your umbrella coverage. Limits of liability of Umbrella policies can range from one million dollars to several million dollars. Premiums are surprisingly affordable.”
Periodically assessing your insurance coverage is a great
idea – and will help keep you and your family’s financial situation secure should you be involved in a serious accident.
Get a FREE copy of...
“A Guide to Automobile Insurance”
Published by The Ohio Department of Insurance.
And the Winner is...
Kelly Magalski won the Harley Davidson clock drawing, sponsored by The Czack Law Firm at the
2014 Greater Cleveland Police Scholarship Fund Motorcycle Rally. The
Police Scholarship Fund
supports the education of
High School Seniors in the greater Cleveland area and provides support to surviving families of slain officers. The Czack Law Firm is a key sponsor of the event.
About The Czack Law Firm
The Czack Law Firm is dedicated to providing high-quality, uncompromising legal services, with a personal touch, to injury victims and their families. These services include: 
• Automobile and Motorcycle
• Commercial Truck and Bus
• Construction Site Accidents
• Consumer Rights
• Insurance Claims and
• Medical Negligence and
Surgical Errors
• Product Defects and
• Burn Injuries
• Sports & Recreation
Accidents and Injuries
• Traumatic Brain Injuries
• Work-Related Injuries and
Workers’ Compensation
• Social Security Disability
• Class Action Claims
• Animal Bites
• Inadequate Security
NO FEE for Initial Consultation
Were You In An Accident? Call Us – 
You May Have a Case and Not Know It!
The Gray’s Block
1360 West 9th Street, Suite 300
Cleveland, OH 44113
(216) 696-9216