Many of you are paying for higher liability coverage to protect you in the event you injure someone in a car accident and you are sued. That is the responsible thing to do.
If, for example, you strike a pedestrian in a crosswalk and they suffer a knee injury requiring surgery, you will feel secure if you had a $50,000 policy (rather than the minimum $25,000 coverage) to protect you in the event you are sued.
But guess what? If your agent never raised your “Uninsured / Underinsured Limits” from 25,000 to 50,000 and you are the victim of a car accident, you may find yourself and your family members to be limited to only the state minimum of 25,000 dollars! You have thus protected yourself from lawsuits, but have remained vulnerable if YOU are the victim of a “hit and run” driver or a driver who has not paid their premiums!
Call your agent or broker or insurance company TODAY and ask to increase your “SUM” coverage! Protect you and your family members from “Hit & Run” drivers or uninsured drivers!