Is Minimal Auto Insurance Coverage Enough?
When it comes to purchasing auto insurance, it is important that you are diligent in obtaining the right coverage, for the best price. Since each state has set limits of the minimal coverage a motorist can hold, many individuals wrongly assume that those numbers resemble the perfect amount of coverage. However, if you only opt for the minimal required auto insurance coverage, you and your ride can be vulnerable to a wide range of threats.
In California, you must hold at least $15,000 for injury or death to one person in an accident, and $30,000 for multiple injuries/deaths. Additionally, you must hold at least $5,000 in property damage coverage.
Now, let us consider the cost of a typical accident. If you were to cause an accident that resulted in the severe spinal injury of the driver on the other end of the collision, do you think their medical bills would stop at $15,000? If they were to get X-rays, MRIs, surgery, and physical therapy, the costs could double, if not triple $15,000. On top of that, your $5,000 property damage coverage will likely not cover the cost of replacing their totaled car.
In order to feel 100 percent confident regarding your auto insurance coverage, it is important that you work with an experienced and knowledgeable independent insurance agent, such as the ones at Little & Sons Insurance Group. This individual will take the time to assess your unique insurance needs by evaluating your threats and risks on the open road, ensuring you are protected to the fullest.
Serving Banning, Beaumont, Calimesa, Redlands, and surrounding California areas, contact Little & Sons Insurance Group for all of your auto insurance needs. We will help you secure an affordable auto insurance policy that does not sacrifice coverage, and provides you with ultimate protection on the open roads.