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August 19, 2014 / roqueagency

Convenient Deductibles or Critical Liability Limits?

So!  You and a coworker have just enjoyed a nice lunch, when upon your return, you’re suddenly involved in a car crash. There’s major damage to your car as well as the two other cars you hit. Emergency Responders arrive and begin frantically putting out fires, extracting passengers from all vehicles and rushing them off to the hospital. The Police and eye witnesses determine, You’re at Fault. Suddenly, you remember the recent changes you made to your insurance policy for a cheaper rate, when the question arises, “Are you covered and do you have real accident insurance or just fender bender coverage?”One person died in this three-car crash. (KATU News photo)

Well, if your agent was at all up front, honest and truly concerned for your protection, he/she might have asked you something like, “If you were at fault for a serious accident, could you more readily afford a few hundred dollars to repair your auto OR a few hundred thousand to repair the lives of others you may have injured?”  Very important to note here; if you are at fault, you’re likely going to need the coverage to do BOTH.  Unfortunately, if you are like most consumers shopping to cut their insurance premiums, you chose lower limits of liability over higher comprehensive and collision deductibles to get that lower rate, and may have just cost yourself a fortune. The costs for emergency medical care have not gone down, ever.  So, why have you lowered your policy limits?fender bender coverage

Folks, please take it from this Agent. Higher deductibles are much more convenient and  affordable than lower liability limits six ways to Sunday and twice on Saturday.  Any Agent that tells you otherwise is only after his/her policy production count and NOT your best interests.  We promise!  If you’re at fault, you’ll be much more able to find $1000 or $1500 to repair your car following the accident than you will be to find $1,500,000 to repair the lives of others you injured.  Don’t make a $30/month mistake.  Be protected, not surprised.  Come get more than you’re already paying for!!

Google+Luis Roque is a local Independent Agent who strives to help you to “Be Protected, Not Surprised. Get More Than You’re Already Paying For.”
Roque Agency Insurance is located at…

150 Uptown Square, Suite C
Murfreesboro, TN 37129.

Or click here to call us at (615) 582-3382

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