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DD‚ÄčI Insurance Agency

24522 Harper Avenue

St Clair Shores, MI 48080

(313) 925-3216

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Why do i need HIGHER Liability Limts on my Auto Policy?

Posted on September 4, 2013 at 12:07 PM
Why do I need higher limits of liability?
Isn't Michigan a "no fault" State?
It sure is, and it is the truest form of no fault and best coverage you can get!

But "no fault" protects you and your family if you are injured in an auto accident... or any accident involving a motor vehicle. Your work loss is covered up to 3 years and your medical bills, pertaining to the accident for life.

Your liability limts, on the other hand, protect you if you are sued by the other party.

If the other party has lifelong, or life changing injuries, regardless of who was at fault, they can sue you.
Yep, just for being there.

Your BI/PD limits are the amount you are covered for when this happens, they look like this 20/40(state minimum) 100/300 or as high as 250/500, these limits mean per person/peraccident.

So, if your liability limits are too low, you can lose your home, your life savings, your retirement, the kids or grandkids college fund, you name it!

Check your policy, did your agent advise you well?
 
Higher limts cost very little more per month, and it's money well spent.
 
An added note, if you current liability is low, you will get higher rates when you try to compare.
That's right! It's one of the number one rating factors in the industry.

Categories: auto insurance, higher liability limts, no fault insurance

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