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car driving fastWhen buying a car insurance policy, one of the first things you need to consider is what limits you will choose for your liability insurance. Liability insurance covers bodily injury and/or physical damage to others. So, if you accidentally hit someone's car or property, your liability insurance can cover that damage up to a chosen limit.

Choosing liability limits can be a daunting task. The following factors can help you decide on limits that will serve your needs.
  • Each state has different requirements for mandatory insurance limits. If your state's limits are low in relation to how much you potentially could pay out in a claim, you may not want to choose your state's minimum.

  • Consider the cost of medical bills if you injure someone in an accident. Your state's minimum limits may not be enough to cover you.

  • Remember, you are responsible for any damages over your insurance limits. Be sure you feel comfortable with the amount you choose so you aren't surprised with having to pay for damages out of your pocket. Paying for damages to or replacement of someone else's car can be expensive.

  • Work with an insurance agent if you are not sure. Agents are familiar with your state requirements and the kinds of coverage needed for where you live and/or work.

  • Check on the highest limits you can afford. Prices between limits can be smaller than you think.
Choosing car insurance liability limits can be confusing, but with a little thought and research you should be able to find the right coverage for you.

We’ll help you select the right coverage. Call Pro Player Insurance Group at (954) 316-4662 for more information on Fort Lauderdale auto insurance.
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