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Why You Should Raise Your Liability Limits

If you’ve ever wondered what liability limits you should carry on your auto insurance, you’re not alone. The answer could be higher, yet more affordable, than you think.

People are often looking for the lowest auto insurance premium or the minimum liability insurance limits required by law, but doing so could leave you and your family at risk for financial disaster.

If you cause a car accident that seriously injures multiple people in the vehicle, you could be responsible for paying all the medical and repair bills. If you only have the minimum coverage required by law, the total amount of the accident could be much higher than what your liability auto insurance covers. If the accident loss exceeds your limits, you may be required to pay the difference out of your own pocket.

Reasons you may want to increase your liability car insurance limits:

  • Medical expenses are on the rise and so are the costs of personal injury claims
  • State-minimum limits may not cover some accidents
  • Vehicle and property values are increasing

That brand-new, midsize, luxury SUV you see so often is probably more than $50,000, and if you only have a $25,000 limit for property damage coverage, you’ll be forking out some dough to cover the rest of the replacement cost. You have your own car payment. Do you want to pay for theirs too?

Doubling your liability insurance doesn’t mean you’ll pay twice as much for the extra coverage. It means you’re making an affordable and wise investment to protect you and your family in the case of an accident. Higher limits are often more affordable than you think.

Would you like to increase your limits today? Contact Your Local Alfa® Agent.

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