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Why Everyone Still Needs Insurance Agent to Determine Appropriate Coverage
Like most American drivers, your car is the largest source of risk for being sued for everything you have, and in some cases, what you will have. Every time you get in a car, there’s a reality that you risk damaging another person's property, hurting someone else, or even worse killing someone. This is where car insurance coverage comes into play.
It takes a reputable insurance agent to help you make an effective coverage decision considering that your auto insurance coverage protects all of your financial assets for payment of damages (both medical and property) and corresponding lawsuits due to an insurance claim.
Car Insurance Claims Depend on What and Who You Hit
Every car accident is different depending on the type of car you hit, and more importantly, the passengers in that car at the time. In the blink of an eye, you can accidentally side-swipe a minivan will a stay-at-home mom and her three children. Realistically, you could easily find yourself in an auto insurance liability claim of $1.2 million dollars? How would you pay for this? If for example you’re a South Carolina driver with the state auto insurance minimums of $50,000 of bodily injury, you’re looking at a lot of out-of-pocket expenses not covered by your insurance. Imagine all of your assets that you could lose? You home; your investments; your savings; and even other assets of special sentimental value. Managing this risk is exactly why everyone still needs an insurance agent to help them find adequate auto insurance coverage — not just the lowest price.
When you compare auto insurance quotes online, you’ll be asked about the level of coverage you would like. Of course, the higher level of coverage will cost more, but it will more importantly protect more. Common auto insurance coverage levels in the quoting process includes: State Minimums, Basic Coverage, Standard Coverage, and Above Average Coverage.
State Minimum Auto Insurance Coverage
Every state is different, and if you go to the respective state page within InsuranceLoco, you may find those levels, or access to your state's Department of Insurance where you are certain to find them. Again, it takes an insurance agent to help with navigating through this information. Ultimately, insurance companies and insurance agents should not be selling coverage below your state’s minimum. This is an example (ONLY AN EXAMPLE) of a minimum (low-level) coverage level.
- $15,000/$30,000 Bodily Injury Liability