Travis Gensler

Do you have more than the minimum?  Currently the majority of the states only require a minimum ($25,000 per person / $50,000 per accident an $10,000 in property damage) of liability coverage.  If your agent has sold you this amount of coverage then the only thing they are protecting you from is a ticket if you get pulled over.

As an insurance advisor, I have to recomend coverage that would properly cover you and I don’t know about you, but there is not much you can get done for $25,000 if you were seriously hurt in a crash, not to mention $10,000 doesn’t cover much with the price of vehicles on the road today.

I do have to give props to the state of Wisconsin though,  I just saw an article that the minimum limits allowed by law have been increased from 25,oo0 / 50,000 to 100,000 / 300,000 in the state of Wisconsin.  Not only does this more accurately reflect the minimum policy that one should have in todays dollars, but more often than not depending on what company you are with, there is another company that will give you the higher limits for less than what you are paying for your state minimums.

I guess my point is, just as in all my posts.  Take time to interview the person whos job is to look after your best interest, not the one just trying to sell you a policy on price.

While I do enjoy saving people money, properly protecting them is my first priority.  In most situations I can do both really well, properly protect and save a good chunk of money.

There is never any charge for answers to your questions, an the only dumb one is the one you won’t ask so give me a call (816-254-6100) and let me show you what a real insurance advisor should do.

Until next time

Travis

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