Car insurance is designed to provide you with a level of protection against property, liability, and medical costs if you are involved in an accident.

  • Property coverage pays for damage to or theft of your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
  • Collision Coverage – Covers damage when your vehicle runs into another object, such as other vehicles, trees, light poles, etc.
  • Comprehensive Coverage – Covers damage caused to your vehicle by an “act of God”, such as fire, theft, vandalism, earthquake, or hail.
  • Uninsured motorists coverage pays for an injury you suffer from an accident caused by an uninsured driver or a hit and run driver.
  • Underinsured motorists coverage pays for property damage and bodily injury caused by another driver whose coverage is insufficient to cover damages suffered.

Selecting the correct liability limits is critical. 250/500/100 means you are covered for up to $250,000 in bodily injury coverage per person, $500,000 in bodily injury coverage per accident and $100,000 in property damage per accident. In order to protect our clients’ families, their assets and their future earnings, our agency will not offer a quote with liability limits lower than 250/500/100.

Many states have minimum liability limits of 25/50/10, although some states are higher or lower than this. While it may lower your premium, reducing your liability limits to minimum legal levels and dropping underinsured motorists coverage could open you up to substantial risk.

Accidents happen to cautious drivers, too, and having adequate insurance can save you from serious financial burden should one happen to you. We can help you determine which automobile insurance coverage is needed and what limits to buy. Contact us at Neckerman Insurance Services at 608-238-2686 today to discuss your options.

Testimonial

"I’d been with my current insurance company for 15 years but after bumping into Ryan Waite around town a number of times I picked up the phone when my insurance renewal docs landed in my inbox to see if there was a better solution out there. Ryan collected my information, talked with me about my needs and called me a day later recommendations and options. He helped me to understand the gaps in my coverage and provided guidance for the best solution possible which, at that time, wasn’t one of his solutions. It a rare find to meet an agent that cares more about the best solution for someone over making a sale. Ryan’s at the top of my list for an annual insurance review and I look forward to working with him in the future."

- Justin H.