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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.



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NOTICE: This and all content is developed from sources believed to be providing accurate information. The information in this material is not intended to be used as tax or legal advice. Please consult with a tax and/or legal professional for detailed information regarding your individual situation. Some of this material was developed and shared by Flanigan Insurance Agency Inc to provide information that may be of interest. Flanigan Insurance Agency Inc is not affiliated with the named representative, broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.
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