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.


"Very responsive, friendly, and knowledgeable. Willing to walk through different insurance scenarios to find what is right."

- Matthew & Rebekah P.