More than the Minimum Liability Limits

As consumers, we’re always searching for the best price on the products and services we utilize for ourselves and our families. Whether we’re shopping for new clothes or weekly groceries, there’s something very satisfying about getting the lowest price available on the things we want and need.

No doubt, this same satisfaction can be applied to shopping for auto insurance. But that should only be the case if you’re not sacrificing coverage to decrease the cost.

In so many ways, the old saying, “you get what you pay for” is spot-on when it comes to insurance. Sure, cutting your car insurance from the recommended 100/300 limits or higher** of bodily injury liability to the minimum still means you have coverage… but would it be enough if you were to find yourself in accident?

Read on to learn more about why you should carry more than the minimum liability limits on your car insurance:

The Minimum Might Not Be Enough

If you find yourself in an at-fault accident, minimum liability coverage might not be enough to protect you or your assets. Unless you have no assets to protect, chances are, minimum liability coverage will not be sufficient.

If you’re in an at-fault accident, and the other driver or their passengers are injured, there is a possibility that minimum liability coverage may not cover the other driver's medical expenses should they exceed the limits their policy provides. If that were to be the case, you could be sued to cover their costs, which would be paid for out of your pocket.

You Will Be Covered for the Unexpected

Apart from being properly insured in the event of an accident, having more than liability only auto coverage can ensure that you won’t be paying out of pocket if your vehicle is stolen, vandalized, or damaged due to fire, hail, wind, animal contact, falling objects and other costly incidents minus your deductible.

You Have a Young Driver

According to the National Highway Traffic Safety Administration, most accidents are caused by young, inexperienced drivers. Having the correct amount of coverage in place can protect your assets if your young driver causes or is involved in an at-fault accident.


Now that you have some insight on why carrying more than the minimum liability limits is a benefit to you and your family, don’t hesitate to reach out with questions. Our team is here to evaluate your risk and guide you on the type and amount of coverage you will need to be protected if something unfortunate occurs behind the wheel. Feel free to reach out to us at 845-239-4787 or


**$100,000 for one person in an accident and up to a total of $300,000 for all people injured in one accident, no matter how many people are injured.