Blog Detail

Are legal minimums enough?

Are legal minimums enough?

Insurance coverage protects both you and others from the financial and physical shock of being involved in an accident. For this reason, states set legal minimums for specific coverage like liability. However, as Austin Texas grows and more people bring clashing driving habits to the area, the risk to you as a driver increases. Sometimes legal minimums are not enough, and you need to consider increasing and adding coverage.

Part of the risk of legal minimums is that something may need fixing, and the money offered by the insurance company just won’t cover the costs. That could include expensive car repair bills or medical bills, lost time and pay from work, and so on. You’d be stuck with part of the bills, and if you couldn’t pay them, you could either be stuck with a broken down, unusable car which you can’t afford to fix, or end up with collection accounts.

Another risk is legal – if you cause an accident and your coverage does not provide enough money to cover the other party’s medical bills, for example, you could wind up in court. That can be disastrous, and it’s much easier to have more-than-adequate coverage in your insurance policy.

As you consider whether to increase your coverage, it’s vital that you speak with a local insurance agent. National networks may provide excellent help for travelers and those moving between states, but for the details of your policy, you need someone who knows what traffic and insurance claim trends are like where you are.

With a local agency on your side, you’ll know whether repair costs are higher in the area, for example, which would indicate that an increase in coverage is desirable. If you want to change your insurance Austin Texas has a company that can provide exactly what you need.

EZ Insurance Agency offers affordable insurance. If you want to increase your policies above legal minimums without creating a major strain on your finances, just call us for a free quote and expert advice today.

Photo: Chevy El Camino by MSVG licensed under Creative commons 2