Cheap Insurance Rates, Maintain Better Limits
Although we are getting cheap insurance rates, we don’t want to get cheap insurance policies.
If this were to happen to you, would you have enough coverage to pay for the damages?
Your driving down the street and for a split second you take your eyes off the road to position your soda in the cup holder. When you look up, much to your suprise, stopped in front of you is a newer model acura. You slam your brakes but it’s too late.
Description of Loss
The hit causes major damage to the vehicle causing a total loss, ($20,000 property damage). Three people in the car go to the hospital. While one gets hospitalized for a few weeks and the others get released and then begin complaining of neck problems. One person’s bodily injury comes out to $40,000 and the other two have $5,000 Bodily Injury Claims.
Liability Example 10/20/30
10 - 1 person’s BI
20 - All Person’s BI
30 - Property Damage
Would your state minimum liability coverage be enough?
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Alaska 50/100/25 Alabama 20/40/10 Arkansas 25/50/15 Arizona 15/30/10 California 15/30/5 Colorado 25/50/15 Connecticut 20/40/10 Delaware 15/30/5 Florida 10/20/10 Georgia 15/30/10 Hawaii 20/40/10 Idaho 20/50/15 Illinois 20/40/15 Indiana 25/50/10 Iowa 20/40/15 Kansas 25/50/10 Kentucky 25/50/10 Louisiana 10/20/10 Maine 50/100/25 Maryland 20/40/10 Massachusetts 20/40/5 Michigan 20/40/10 Minnesota 30/60/10 Mississippi 25/50/25 Missouri 25/50/10 Montana 25/50/10 Nebraska 25/50/25 New Hampshire 25/50/25 New Jersey 15/30/5 New Mexico 25/50/10 Nevada 15/30/10 New York 25/50/10 North Carolina 30/60/25 North Dakota 25/50/25 Ohio 12.5/25/7.5 Oklahoma 10/20/10 Oregon 25/50/10 Pennsylvania 15/30/5 Rhode Island 25/50/25 South Carolina 15/30/10 South Dakota 25/50/25 Tennessee 25/50/10 Texas 20/40/15 Utah 25/65/15 Virginia 25/50/20 Vermont 25/50/10 Washington 25/50/10 Wisconsin 25/50/10 West Virginia 20/40/10 Wyoming 25/50/20 |
Yes, enough coverage not enough BI or PD not enough BI or PD not enough BI or PD not enough BI or PD not enough BI or PD not enough BI or PD not enough BI or PD not enough BI or PD not enough BI or PD not enough BI or PD not enough BI or PD not enough BI or PD not enough BI or PD not enough BI or PD not enough BI or PD not enough BI or PD not enough BI or PD Yes, enough coverage not enough BI or PD not enough BI or PD not enough BI or PD not enough BI or PD not enough BI not enough BI or PD not enough BI or PD not enough BI not enough BI not enough BI or PD not enough BI or PD not enough BI or PD not enough BI or PD not enough BI not enough BI not enough BI or PD not enough BI or PD not enough BI or PD not enough BI or PD not enough BI not enough BI or PD not enough BI not enough BI or PD not enough BI or PD not enough BI or PD not enough BI not enough BI or PD not enough BI or PD not enough BI or PD not enough BI or PD not enough BI |
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