Car pileupRepeatedly, we hear about car accidents like this:  Bangor Daily News reported a 19 car pileup in Southern Maine.  Bodily injury was mostly avoided, with the exception of one person who was taken to the hospital.  Property damage to the vehicles, on the other hand, was likely extensive.

Was the responsible party left wondering, “Do I have enough auto liability coverage?”

In the State of Maine, liability insurance is required by law.  The minimum limits allowed are $50,000 per accident for liability for the injury or death of one person, $100,000 per accident for liability for the injury or death of more than one person, and $25,000 per accident for liability for damage to the property of others, such as other vehicles.  It’s our guess that the damage done to the 19 vehicles in our example will exceed $25,000.

With the costs of health care rising, even injuries that are not life threatening can cost tens of thousands of dollars to treat. So, an accident that injures more than one person could easily exceed $100,000. In the worst case scenario of a death, your liability limit will be the last thing you want to worry about.

You can get higher limits most auto insurance policies, usually for a very reasonable price.  In addition to higher limits on your auto policy, you can also buy an umbrella policy, which will cover liability over and above the limits on your home and auto policies.  Contact us to make sure you have enough coverage!