Call Us Call Us Today | (618) 542-4831
Auto Insurance AUTO Read More
Homeowners Insurance HOME Read More
Business Insurance BUSINESS OWNER Read More
Recreational Insurance RECREATIONAL Read More
Specialty Insurance SPECIALTY Read More
PSIC School Program PSIC School Program Read More

Why is car insurance so important and do I really need it?  YES!  Everyone that drives, needs automobile insurance.  In fact, it's so essential to protect yourself and others around you that every state in the United States has laws about the minimum insurance limits you must purchase.  Each state has different minimum automobile insurance limits required, so make sure to check with your local Department of Motor Vehicles if you are moving, a new driver, or new to the state.  Automobile insurance has different optional parts to the policy you can purchase depending on level of coverage you choose.  The policy can be tailored to your needs, with liability limits typically available up to $1,000,000 and coverage for damage to your car (Comprehensive and Collision coverage), Road Trouble, and Rental Reimbursement.  See additional blogs for more on Comprehensive and Collision Coverage. 

So besides being legally required to purchase automobile insurance why should you have it?  To protect yourself, your family, and other people around you!  Automobile Liability Insurance is designed to compensate another party (person or business) if you made a mistake and caused an accident where someone is injured or property has been damaged AND you are legally liable (at fault).  Have you ever slipped on the ice and slid into another car on the interstate?  What if that person had serious injuries and needed to take a helicopter ride to the hospital?  How much do you think medical bills would cost?  It could easily be hundreds of thousands of dollars.  According to the National Highway Traffic Safety Administration (NHTSA), in 2013 the average auto liability claim payment for bodily injury was $15,443.  Also in 2013, 2.31 million people were injured in an automobile accident.  You need insurance to cover medical bills and damage to the other party's vehicle or property. If you have NO INSURANCE OR ARE UNDER INSURED, meaning the damage you caused is more than the liability limits you purchased, the Injured Party can take you to court and sue you for compensation.  If you own a home, have a good paying job, or other assets, the court can make you pay for damages out of your own pocket.  It is extremely important to purchase enough automobile liability insurance so you are protected if an accident happens. 

Posted 10:00 AM

Share |


No Comments


Post a Comment
Name
Required
E-Mail
Required (Not Displayed)
Comment
Required


All comments are moderated and stripped of HTML.
Submission Validation
Required
CAPTCHA
Change the CAPTCHA codeSpeak the CAPTCHA code
 
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive


View Mobile Version
Facebook
Google+
Carriers
Carriers
Carriers
Carriers
Carriers
 
© Copyright. All rights reserved.
Powered by Insurance Website Builder