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How to Determine How Much Auto Coverage is Enough?

Trying to determine what auto insurance coverage you need can be like speaking a foreign language. Luckily the team at Midwest Professional Insurance can answer all of your questions. When deciding what coverage to carry, it is important to guarantee that you have not only enough to meet the minimum requirements of your state, but also that you’ve secured enough coverage that your personal finances will be amply guarded if you are in an accident. 

To determine your auto insurance coverage needs:

  • Find out what your state requires. Make sure you have all minimum requirements met.
  • Find out what the cash value of your car is and how much you owe on the vehicle. (This is integral particularly for Comprehensive and Collision coverage which are often not required by state law, but are usually required by lenders.
  • Figure out what your net worth is and how much liability insurance you would need to cover that full amount. For example, your state might only require a minimum coverage of $25,000 for a single person’s injuries, $50,000 for all injured parties and $25,000 for property damage (or 25/50/25) but if your vehicle itself is worth $30,000 this would be woefully inadequate coverage for you and you would be wise to purchase higher coverage amounts in order to make sure you are fully protected.

The level of coverage you carry will have an impact on your monthly premium and your deductible, so it is vital to take the factors mentioned above into consideration to decide what is acceptable to keep at a minimum and what you should bump up. The team at Midwest Professional Insurance is waiting to help you determine what level of coverage is right for you!

Is basic auto insurance coverage ever enough?

Owning and driving a car is a privilege that most people take for granted. Your vehicle is a necessity to get to work and to run errands. Having good auto insurance means that you are protected if you are in an accident or your vehicle is damaged by something beyond your control. To understand if basic auto insurance coverage is ever enough, you need to understand what basic auto insurance coverage is. At Midwest Professional Insurance, we offer affordable and reliable insurance choices to those in Kansas, Illinois, and Missouri. 

In Kansas, the basic coverage every auto insurance policy must have is 25/50/25 liability coverage, which is $25,000 in bodily injury with $50,000 per accident and $25,000 in property damage. Uninsured/underinsured motorist of $25,000 and $50,000 and PIP (Personal Injury Protection) coverage. This is all valuable protection, and it covers the other motorist and yourself if you are injured, but it doesn’t cover your vehicle if you are responsible for the accident.

Basic auto insurance is enough if the value of your vehicle is minimal. If it is old or a clunker, you probably don’t need any additional coverage, but if you have a car with more than a few thousand dollars of value, collision and comprehensive coverage will make it possible to get your vehicle repaired or replaced. Comprehensive covers for things beyond just a collision, such as theft or damage due to a weather event or vandalism. If you need your car to get around, you probably should have more than just basic coverage. 

If you live in Kansas or the Illinois area, our team can help you find reliable auto insurance. At Midwest Professional Insurance, we are locally owned and operated. We strive to be a trusted choice who can help make sure you get the right insurance for your needs. Give us a call or stop into our office and let us provide a no-obligation quote. 

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