Why You Should Go Above Minimum Required Auto Insurance in Vero Beach

You probably don’t want to spend any more money than necessary on anything, let alone auto insurance in Vero Beach. This being said, spending a little bit more to add to your coverage can be a great way to protect yourself. Knowing why you should go above the minimum requirements can make it easier to add the coverage and increase your policy by a few dollars a month.

Added Coverage

Minimum auto insurance focuses on liability alone. This includes personal injury and property damage. The levels are not as much as you would expect, and all it takes is one really bad accident for you to exceed these levels. For example, you have to maintain at least $10,000 worth of property damage liability. The problem with this is that if there is an accident where you create $20,000 worth of property damage, your insurance policy will only take care of the $10,000 that you have in place. The remaining amount would be your financial responsibility – and could be enough to send you into bankruptcy.

In addition to exceeding coverage on liability, there may be various other forms of coverage that you want to explore. This includes such things as comprehensive, collision, and uninsured. This will make it easier for you to file a claim without wondering whether you actually have coverage in place for those items or not.

Peace of Mind

There’s a lot to be said about being able to enjoy peace of mind as you drive down the road. If a rock hits your windshield, a shopping cart hits the side of your car, or your car is vandalized in the middle of the night, you want to know that you are going to be financially responsible for everything. You can simply file a claim with the insurance company and they will take care of the details, following your payment of the deductible.

Plan for the Unexpected

It’s important to plan for the unexpected. You never expect to get into an accident, have your car stolen, or have a rock crack your windshield. However, these things happen all the time. If you don’t plan for the unexpected with auto insurance in Vero Beach, you could end up paying a significant amount of money out-of-pocket.

Minimum auto insurance will ensure that you have met state requirements so that you don’t get your license revoked. However, going above and beyond the minimum will help to provide peace of mind and minimize the amount of money that you could potentially pay after an accident. When you work with an independent insurance agent, they can talk to you more about the added coverage that you should have in place so that you are better protected. An agent can make recommendations on what kind of coverage they believe you should have based upon your driving history, the type of vehicle you drive, and various other details.