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Auto Liability Myth #1 – “I Only Need The Minimum Auto Limits Required By Law”

Many people believe that they’re perfectly fine with just the minimum limits required by law. In every state except New Hampshire, liability is required by all motorists to provide payment to another individual for bodily injury and property damage. The minimum limits, although more affordable, are most likely not enough to cover all the damages you may be held responsible for.

For example, in a minor accident, it may only result in some minor scratches and dents to a bumper or body panel. The minimum limit required by law in most states is only $5,000, which is barely enough to cover the replacement part and the labor to install it. Also, many car manufacturers like to hide their sensitive equipment such as backup cameras and sensors underneath these panels, which can lead to a more expensive replacement cost.

That’s why at Rue, our agents are available to discuss your specific insurance needs and help develop a personalized insurance plan for an affordable rate. Contact us today and learn more about how to Be Ready with Rue at 609-586-7474 or on our website here: https://www.rueinsurance.com/contact/.

Robert Plasencia

About Robert Plasencia

Robert joined Rue Insurance in 2020 as a Personal Risk Advisor with over 10 years of experience in the insurance industry. Robert specializes in delivering innovative solutions and advising our personal lines clients to reduce the total cost of risk at the right budget.​ About Robert | More Posts by Robert