Insurance, the
dreaded word everyone doesn’t like to hear until something goes wrong. Some people view insurance as just another
bill, others think of it as some kind of government rip off while others
consider insurance a valuable tool to protect their assets. It is true, if you
drive a car on public roads or have a mortgage on your home you have to carry
some kind of insurance coverage, however, the different types and limits can be
confusing if you don’t know what to look for.
If a person with
limited assets gets insurance, they commonly buy lower limits of insurance.
State minimum in California is 15/30/5 covering the driver for damages they
cause up to fifteen thousand dollars per person, thirty thousand dollars for
injuries per accident and five thousand dollars for property coverage (car you
hit, fence, light pole, etc.). When was the last time you heard of someone
going to the hospital and the bill costing less than 15 thousand (full price
charged)? Also, I’m still searching for a 2-3 year old car costing less than 5
thousand. If you have not figured it out, a driver should have -more than the
minimum for coverage, however, I get frequent comments like “just give me
whatever I need to drive” when quoting an insurance rate.
Insurance premiums
can be a substantial part of the family budget but it is meant to protect the
person hurt because of a brief lapse in judgment or careless mistake. Don’t let
one accident ruin a lifetime of hard work. Review, understand and increase your
coverage when necessary so when something goes wrong you won’t be dreading that
word, insurance.
Call Georgetta
Gans, Nency Gonzalez (hablo espanol) or Brian Walker for more information
and to get a quote to protect you against people with low limits. Multiple
companies available to quote if qualified.
951-672-3476
