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Auto Insurance Coverage:
Selecting the right auto insurance involves much more than just covering vehicle repairs. The single most critical component of your policy is the General Liability Limit, which directly protects your financial future and personal assets, including your home. At BODILY INJURY INSURANCE, we guide you past minimum requirements to ensure real protection.
The Danger of Minimum Coverage: New York State Law vs. Reality
While every state mandates a minimum level of liability coverage, adhering only to the lowest limits puts your most valuable assets at severe risk in the event of a serious auto accident.
Coverage Type
Bodily Injury Liability (One Person)
Bodily Injury Liability (Two or More People)
Property Damage Liability
New York State Law Minimum
$25,000
$50,000
$10,000
Recommendation
$250,000
$500,000
$100,000
If you are involved in an accident and are deemed at fault while carrying only the New York State Law minimum coverage, and the judgment exceeds your limits, you could risk losing your home and savings in a lawsuit.
Protecting Against High-Risk Drivers: The Umbrella Policy
When there are younger, more inexperienced drivers in the household, your liability exposure increases exponentially. This is why we highly recommend an Umbrella Policy.
What is an Umbrella Policy?
An Umbrella Policy provides an additional layer of liability coverage that sits above and beyond your underlying limits on both your Auto Insurance and your Home Insurance policies.
It acts as a financial safety net, kicking in when your primary auto and home liability limits are exhausted.
It is essential protection for high-value assets and future earnings.
We have seen too many people lose their homes and pensions due to an accident involving a young, inexperienced driver in the household. All efforts need to be made to get the younger drivers off your policy and on their own as soon as possible to mitigate this risk.
Act Now: Review Your Bodily Injury Liability Limits
Don't wait for a serious accident to discover your limits are dangerously low. Your current Bodily Injury Liability limits should align with your net worth and asset portfolio.
Contact BODILY INJURY INSURANCE today to review your policy and ensure your family and assets are protected with robust, high-limit coverage.
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