Why it makes sense to carry more auto insurance liability coverage than required

Drivers in the greater Follansbee, WV area can turn to the team at Pro Insurance Group for all of their auto insurance needs. If you have questions about the appropriate amount of insurance for your needs, give us a call today! We are here to help.

Benefits of carrying more than the required amount of liability protection

When it comes to liability protection, it can be difficult to know what level of coverage is most appropriate for your needs. Yes, there are stipulations in place for minimum coverage amounts in our state, but how do you know if that’s enough protection?

It is not uncommon to have an auto policy that provides more protection than what is required by West Virginia. This is especially true when it comes to liability protection. Weighing your liability protection options is a smart move, no matter what you end up deciding. Here are just a few of the benefits:

  • Lower likelihood of personal responsibility. If your liability protection is exhausted due to a catastrophic accident, you can become personally liable for any overages. Increased coverage can help you avoid this unwanted situation.
  • Increased coverage does not cost that much more. Premiums do not increase by a significant amount when liability protection is increased.
  • Peace of mind comes with knowing you have the protection you need. Knowing that you won’t face personal financial responsibility for a major accident can help you sleep much better at night.

Give us a call today

Pro Insurance Group is here for the wider Follansbee, WV community. If you have any questions about your auto policy or any other type of insurance, call or stop by our office today! Our team looks forward to working with you.