Insurance Phoenix / Car Insurance Phoenix
BUYING CAR INSURANCE
If you are like most people you insure your vehicle and let your agent decide what coverage you need.
Bad mistake, especially if you buy insurance over the phone or rush through the insurance-buying process.
In Arizona, a consumer can buy as little as $15,000 Bodily Injury coverage.
BI protects the "other" person if you are at-fault in an accident and pays out when there are injuries in the other vehicle.
THE REST OF THE STORY
So, let's pretend you hit someone and you are clearly at-fault. There are injuries that require medical attention, ambulance, hospital, ongoing doctor's care, rehabilitation, and the other person misses time at work and loses income, for which they want reimbursed.
If an accident is bad enough you could face ALOT more than $15,000 in damages.
Your insurance company would likely gladly pay out the fifteen grand and walk away, leaving you personally vulnerable for the remainder of the damages.
HAVE YOU SEEN THE ADS ON TV
You know the ads, where the attorney's ask if you have been injured in an auto accident? There are tons of them on tv.
You probably do not want to spend your personal assets defending yourself in a lawsuit against these attorney's who do this sort of thing each and every day.
You could face having to liquidate savings and other assets.
If you lose a personal injury lawsuit you could face having your own wages garnished to pay for damages. How would you like to do that for fifteen years?
This is in addition to having to liquidate assets to pay for court costs, attorney fees and damages awarded to the adverse party.
THE RIGHT CHOICE
It would be much easier to simply carry higher BI limits, say $100,000 or even $250,000. The cost increase will actually be smaller than you might imagine too.
This is one insurance decision you need to act on immediately. Call your agent and increase your Bodily Injury coverage. Do it today!!
Scottsdale Insurance / Scottsdale Car Insurance / Scottsdale Auto Insurance
