The 101 to Car Insurance has its own required minimums, and you always have the option to purchase coverage beyond those minimums. Review your current coverages; you Car insurance is AWESOME!! Everyone has it, everyone needs it, but most people really do not know may be surprised at how little or how much liability coverage you have. what their car insurance covers. You just go along paying that bill until there is an accident and then you Going back to that sunny day, what if it was you are forced to take a literal crash course in automobile that was rear-ended and what if the driver who hit insurance coverage. Instead, I thought I would you did not have insurance? Well, your first thought explain some of the basics of your car insurance might be, wasn’t that driver legally required to have policy so that you can review your own policy and insurance? You would be correct, but you also know get more comfortable with what you have, and more that not everyone follows every law all the time. In importantly, what you are paying for. So, imagine you are driving along on a bright sunny this scenario where the other driver does not have insurance, your UNINSURED MOTORIST coverage New Mexico afternoon. In fact, the sun is so bright would be needed. you decide you need your sunglasses, and as you fumble putting them on, you rear-end the car in front Uninsured Motorist coverage protects you and of you. Luckily, no one is injured but you did do your property in case you are in an accident caused some damage to the car you hit. This is where your by someone that did not have the required insurance LIABILITY coverage would be needed. for that vehicle. While this type of insurance is not legally required, it is strongly recommended. Liability coverage is required by law on any Usually, your uninsured motorist coverage limits will registered vehicle in your name that you intend to mirror your liability coverage limits. Once again, it drive on public roadways. It insures that you are is important to know what those coverage limits are financially responsible in the event you injure a before you are involved in an accident. person or damage an individual’s personal property in an accident in which you are at fault. Each state By Angela Biava
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September 2019
