Optional Auto Insurance Coverages

First and foremost, consider increasing auto liability limits and perhaps obtaining a $1,000,000 umbrella policy.  If an a person causes a serious auto accident, these days a person will be sued.   If lawsuit rendered is more than the liability limits on the policy a person can count on having their wages garnished or having to settle on a payment plan to pay off the damages.  Therefore, increasing liability limit is absolutely important. 

Second, ADD Medical payments of $5000 or $10,000 a person to your auto policy.  Keep in mind your health insurance policy will NOT pay for a passengers health care costs and normally your liability will not pay for a passengers injuries, especially a family members.   Consider adding medical payments to your auto policy. 

Towing and Rental Car coverage are two inexpensive coverage's that can be added.  Many folks don't want towing added to their new car, due to 36 month warranty with towing; however, after 36 months towing is no longer included.  Also if a family has two cars and each spouse relies on having daily transportation consider adding Car Rental(also know as Loss of Use) in limits of $50/day. 

Feel free to contact Flanigan Insurance for more information at 314-727-6000.