This is a question that everyone should make an informed decision on. Recently one of our insured called to report an accident. They were the party at fault and had three other people in their car. Two of the other occupants were sent to the hospital. Their auto policy has state minimum limits of liability which are 25/50/25. These limits pay up to $25,000 per person for medical bills with no more than $50,000 per accident. Two of the occupants were transported to the hospital and that didn't even begin discussing any possible injuries to people in the other vehicle. In this situation, our insured had chosen to buy lower limits as a cost savings move thinking something major was unlikely to occur. Higher limits of protection are available at affordable rates considering the valuable protection they provide.
If you would like for us to offer a free evaluation of your current policy, call our office and we'll be glad to assist you.
Safe driving to everyone!
James Baker
DFW Insurance Services