Is Basic Auto Insurance Sufficient?

If you purchase car insurance in Cullman, AL, you may easily be swayed to look at the cost aspect only. This one-sided approach will only land you at basic insurance that may fall short when hit with a significant threat. So, is basic insurance an option? Insurance Solutions Inc. tells you why you shouldn’t only settle for basic car insurance.

It’s never sufficient.

The law in Alabama requires you to purchase “25/50/25” liability coverage to protect you against liability claims. When you look at these amounts, you might think they are enough, but they barely protect you when faced with a significant claim. Basic car insurance protects you from non-compliance penalties and fines and offers little protection against considerable liability claims.

If you want optimal coverage, always buy a sufficient amount of car insurance. This way, you know your assets and savings are safe when facing threats.

It doesn’t cover you and your vehicle.

If you stick to the state-required car insurance, it only covers other road users, not you and your vehicle. For instance, if you are at fault for a car accident and you only have liability coverage, this policy will pay for the medical costs and damage to other people. Otherwise, your injuries and damage to your car aren’t covered.

If you want optimal protection with your car insurance, always look beyond the basic coverage. Consider coverage options, like:

  • Comprehensive coverage
  • Collision coverage
  • Medical payments coverage
  • Uninsured/underinsured coverage
  • Roadside assistance

At Insurance Solutions Inc., we recommend the above policies and advise you to get a sufficient amount to cover you optimally when in need.

Car insurance in Cullman, AL

Want to know whether you have the right amount of insurance? If you are in Cullman, AL, or a nearby area, please contact Insurance Solutions Inc. for personalized advice.