Have High Car Insurance Coverage


Have High Car Insurance Coverage

Having high car insurance policy limits coverage is so very important if you are involved in a serious car accident, or if you lose a loved one in a car wreck. One of the saddest things I deal with as an injury lawyer is when clients have serious, life-changing injuries, or lose a loved one, in a car accident and their car insurance is too low to compensate them fairly for the devastation they have suffered in their lives.

Being well insured with high bodily injury car insurance coverage is very cost effective. Usually, increasing your coverage from the mimimum $25,000.00 required by Utah for bodily injury coverage to say $100,000.00 is maybe around $35 to $50 per month. This depends, of course, upon your age, gender, driving record, the insurance company you have and what they charge, and other factors.

In my car accident book, 8 Wrong Turns That Will Wreck Your Utah Car Accident Case and How to Prevent Them, I recommend people have at least $100,000.00 per person $300,000.00 per accident bodily injury coverage for their Liability, UIM (Underinsured Motorist) and UM (Uninsured Motorist) coverage.

I strongly recommend that people have $250,000.00 per person and $500,000.00 per accident liability, UIM and UM bodily injury coverage.

I further recommend getting a $1M ($1,000,000.00) “umbrella” insurance policy coverage too. It is referred to as an umbrella policy because it goes over and is in addition to both your car insurance coverage and your home insurance coverage

The umbrella policy generally only costs about $200.00 a year, sometimes even less, yet gives you an additional $1M insurance coverage to compensate you and your family if you lose a loved one or are catastrophically injured in a motorcycle accident, car accident or trucking accident.

If you are seriously injured in a car accident, you are going to be dealing with the life-changing serious injuries the rest of your life and being very well insured simply makes it much better dealing with it long term than it otherwise would be by you having more money to take care of you and your family.

It is important to point out that you are well insured for yourself and your family, not for anyone else. If the person who caused the car wreck has only minimal insurance and you are also not well insured, yet you are very seriously injured, then there simply is not enough insurance coverage to fairly compensate you for your tragedy.

So, contact your car insurance company today and increase your car insurance bodily injury coverage. Also ask your car insurance company if they have a $1M “Umbrella” policy and how much it costs. I strongly advise you get the $1M umbrella coverage too.

You can usually do it with a quick 5-10 minute telephone call. I am confident that your insurance company will be happy to help you increase their business. More importantly, you will be protecting yourself and your loved ones in the event tragedy strikes.

Please be well insured; if you get into a car wreck, you and your family will be glad you are.