They really are. I’m not just making this stuff up
One of the things we spend a fair amount of time with is trying to talk new customer out of minimum auto limits. Now, I know what some of you are thinking. “They’re just trying to boost up their sales.” Trust me, for the few extra bucks we would get in commission it’s really not worth the effort. It’s a lot easier to just let our customers pick what they want and move on. However, we see the other side. We’ve seen customers that had an accident and chose to under insure. The minimum liability limits for California are 15/30/10. That’s $15,000 for each person, $30,000 for each accident, and $10,000 in property damage. Let’s look at that last number. $10,000 is all that would be paid if some else’s car was totaled. How many $10,000 cars are out there today? Not many. What happens if the limit isn’t enough? You pay. $15,000 isn’t much coverage for the medical and hospital bills of someone that gets hurt now is it?
The additional cost isn’t worth the anguish you’ll experience if it isn’t enough.