Car insurance is a required in almost all states in the United States. Coverage requirements vary from state to state, so a requirement in one state may not be required in a different state. We specialize in making sure the required coverages meet the state requirements and your personal needs. Whether you have a new ride or restored classic or anything in between, we can help you protect your car as you wish.
A topic that seems to occur with any car insurance conversation is “What coverages should I have?”
That topic has many variables. If you own a home, your insurance coverage probably needs to greater that if you are renting an apartment or house. The reason is simple. If you are responsible for an incident and your insurance coverage is less than the amount of insurance that you have, you an be held personally liable for the difference.
For example, if your insurance coverage is $25,000 per person and $50,000 per accident and the total cost incurred is $100,000, you could be held responsible to pay the difference. The difference would be ordered by a court to be paid to settle the loss, which could include you surrendering an number of items: your personal savings, your retirement savings, the cash value in your home or vehicles, or even wage garnishment.
With the correct coverage, the chance that such a settlement could be ordered is decreased because your insurance policy will pay a large amount to settle the claim.
We will discuss the options with you so you understand your potential risk and how you can reduce that risk. We understand that the insurance coverage is YOUR choice but we have seen what happens after a loss where the insurance coverage is not sufficient. We don’t want to be the ones to tell you that you don’t have enough insurance coverage.
Please contact us to discuss your insurance needs. 419.890.1270