My clients often ask: what’s the importance of insurance limits and how do they interplay with their claims? There are limits of insurance that cover the person who caused the injury or the accident, and when you’re in a car accident you have insurance limits that you own policy to protect you in case that person is either under-insured or uninsured. We can talk about the importance of keeping adequate coverage on your own policy to cover your family in the time of need. A lot of insurance agents will explain this to their clients but many won’t, and especially in this day of buying insurance online and getting the cheapest quote is that you don’t understand that there are hidden riders.
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You could pick to choose whether or not you want rental coverage, how big a deductible is, how much you carry in no-fault limits, and you also choose what you’re uninsured or under-insured limits are to protect yourself. That’s critically important because if you’re struck by somebody who leaves the scene or by somebody who has no insurance or someone who has minimal insurance limits you can still get a very important and significant recovery if you protect yourself through the purchase of supplemental uninsured, under-insured motorist benefits. People who price these limits out are often surprised on how cheap they are in comparison to any of the other coverage’s they’ve already purchased.
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