does yur auto l=policy leave you underinsured

Do You Have Enough Auto Insurance?

Are you carrying enough car insurance to keep you safe?

As a driver, you likely know how important it is to have the right auto insurance in Plano, Texas. However, that might be the extent of your insurance knowledge. For instance, you might not have ever considered that your policy is leaving you underinsured. So, how can you determine if you are underinsured and how can you secure the additional car coverage that you need? Read on to find out.

Am I Underinsured?

While there’s no real coverage limit that separates an underinsured driver from a well-insured one, if your policy only offers you enough coverage to meet your state’s legal minimums, there is a good chance that you will be underinsured for every accident that you are involved in. While many drivers choose to rely on minimal insurance as a means of saving money, this strategy might end up costing them in the long run. This is because they will be left financially responsible for any claims that their insurance will not cover. So, if you currently have minimal auto insurance, you need to increase your coverage limits to reduce your risk and save you from having to pay for claims out-of-pocket.

Raising Your Coverage Limits

Luckily, increasing your auto insurance coverage is as easy as calling your insurance provider. If you are not sure how much you should raise your limits, ask your agent for their professional advice. Your insurer should be able to offer you several different options and explain how each will affect your premiums. Anytime you increase your coverage, you will experience an increase in your premiums as well. However, this is a small price to pay to ensure you have the comprehensive coverage you need to stay safe on the road.

This is how you can tell if you are underinsured and how you can get the increased auto coverage that you need to protect yourself. Do you have further questions regarding your auto insurance in Plano, Texas? Don’t hesitate to contact us at Tri-Star Insurance/HUB International for assistance today.