Are Minimums Enough?

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What you probably do know, though, is that your state minimums for cheap auto insurance are simply not enough.

• If you are carrying the minimum cheap auto insurance you may be living within the law, but you may also have set yourself up for a rude awakening. Be aware that the liability coverage you have through your cheap auto insurance is designed to pay the medical bills and damages to the property of the people in the other car.

• In these difficult economic times, many drivers have thrown caution (and the law) to the winds and are hurtling down the highway toward you without a shred of insurance. They may pay the price for their folly when they get a ticket for having no cheap auto insurance, but what if they’ve crashed into your car in the meanwhile?

• If somebody borrows your car – a visiting relative or a roommate – and they have an accident, they may not be covered by your cheap auto insurance policy. Once again, you could be left holding the bag.

State minimums are based on average accidents, average injuries and average claims. When the accident is yours, you’ll discover that there’s nothing average about it.