The new year is a good time to reevaluate your vehicle insurance needs. We are inundated with ads for companies selling minimum limits insurance. The latest is a commercial in which the narrator says "your neighbor drove his car through your house. Thankfully he had minimum limits insurance from ****."
Frankly I would not be happy to have the insurance adjuster tell me that
she is sorry that only a small part of my damage will be paid because
there was not enough insurance. Vehicle insurance protects you when you
cause a wreck and, maybe more important, protects you if you are hit by
an uninsured or underinsured driver.
Imagine you accidentally cause a wreck causing a life-altering injury
to a child. Now imagine that an uninsured driver causes such an injury
to your child. In either situation you need to have as much vehicle insurance
as possible. The minimum limits ($25,000.00 in Tennessee) will do little
to protect you.
Insurance is relatively cheap. Take five minutes this new year and call
your agent. Remember that minimum limits equals minimum protection.
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