Crashed car in garage

Why Automobile High Insurance Limits are Vital

You’re relaxing at home when you get a phone call from the police. Your teenage daughters were involved in a severe car crash. They have serious injuries and were rushed to the hospital. A few hours later, you have the diagnosis: One of your daughters has two broken legs and the other suffered a traumatic brain injury.

You’re terrified for your daughters’ future. You feel lost and you’re not sure what to do next. How are you going to cover hundreds of thousands of dollars in medical bills? The answer lies with your insurance. To explain how this situation could be different, you need to understand why automobile high insurance limits are vital to your family’s wellbeing.

Ensuring Adequate Coverage

If you had a standard insurance policy and your daughters suffered severe, life-changing injuries that required hundreds of thousands of dollars in medical bills, you would have a very difficult time moving forward. A $25,000 or $50,000 policy limit would do nothing in a case like this. Your only hope might be a high-limit policy.

With a $500,000 policy limit, your insurance would cover the most severe car crash injuries. If you or someone in your family suffers an injury that requires a lifetime of specialized care, you will need a high insurance policy to cover the treatments they will need for their entire adult life.

Uninsured Motorists

It’s crucial that you have a comprehensive, high-limit policy to cover any kind of car crash. If you or your family members suffer severe injuries injures at the hands of an uninsured motorist or a motorist with low coverage, you’ll need high-policy limits to get the justice you deserve. If you didn’t have strong uninsured motorist coverage, you might be left without a means to pay for your family’s injuries.

While the premiums are higher for high-limit coverage, it’s certainly worth it. You need to ask yourself one question: If you or your children were seriously injured in a car crash, would your current policy provide adequate coverage for a lifetime of care? If not, it may be time to make the change.

If you or someone you love suffered serious injuries or even wrongful death in a car crash, you might have a case. If you’d like to schedule a free case consultation with an experienced Clarksville personal injury lawyer from Pete Olson Injury Attorneys, please send us an email or call (931) 286-7773.

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