Comments on: One More Post About Minimum Auto Insurance Limits

By: TonsSnumeHoomodutbow

TonsSnumeHoomodutbow — Sat, 10 Jan 2009 12:35:34 +0000

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By: Bob Kraft

Bob Kraft — Tue, 06 May 2008 16:54:10 +0000

That’s an excellent point Eric, and a good argument for higher limits. Unfortunately, neither accident victims nor personal injury lawyers carry much weight in most state legislatures…

By: Eric Morrell

Eric Morrell — Tue, 06 May 2008 14:35:58 +0000

Low insurance limits, for the longer term, do not save the insurer money. The lower liability limits create a need for increase coverage and premium for “under insursed” and “no insured” coverages for the auto policy holders. These coverage insure a policy holder if they are involved in an accident by a driver that does not carry the appropriate liability limits to cover the damage done to you bodily or property wise.
Many State politicians promise lower premiums by mandating lower limits on policies. This just does not work.
For more information on insurance topics come visit:
The Lower New York Insurance Blog

By: Bob Kraft

Bob Kraft — Wed, 30 Apr 2008 17:46:38 +0000

Michelle, you’re not seeing many high personal injury awards coming out of Texas!
Until this recent change, it had been many, many years since the minimum limits were raised in Texas. It became a very sad joke on injured Texans when they discovered they had $40,000 in medical bills and $30,000 in property damage, and a defendant whose auto liability policy would cover only half those damages.
The new change will help a bit, but with medical costs soaring, a $25,000 insurance policy still won’t cover even the medical bills of many accident victims, to say nothing of pain and suffering.

By: Michelle

Michelle — Wed, 30 Apr 2008 12:49:00 +0000

Wow, I can’t below how low the minimum limits are in Texas. In Nova Scotia, the minimum amount of third party liability insurance that must be carried is $200,000. And yet the US that is famous for it’s high personal injury awards.
Am I missing something?