When I ask clients what their current auto liability limits are, the most common response I receive is, “I have full coverage.” However, it’s important to understand that “full coverage” is not a sufficient answer. At Felty Insurance, we believe that your liability limits are paramount in your auto coverage, yet they are often overlooked by many agencies. Your liability coverage is all you have to protect all of your assets in the event of a law suit.
The term “full coverage” holds little meaning, despite its frequent use in the insurance world. An automobile insurance policy comprises various components, including liability limits, property damage limits, uninsured and underinsured liability and property damage limits, medical payment coverage, rental coverage, road service, deductible options, and numerous additional endorsements depending on the insurance carrier. Once you grasp the details of these coverages, you still need guidance to ensure that you have the appropriate limits for each.
While there may be many things you can purchase online or directly from a company with confidence, auto insurance is not one of them. Their primary goal is to sell you a product, but they don’t know you personally or have a connection within the community. They are not your neighbors, church members, or close friends who truly understand your needs.
At Felty Insurance, our insurance advisors are committed to investing the necessary time to ensure that you comprehend every risk, coverage, and extra endorsement related to your auto insurance. We don’t want to be known solely as the insurance agency that saved you $50 dollars on your auto insurance. Our aim is to be your trusted insurance advisor—the one you can rely on, the one you can call at 3AM when that unexpected happens, the one you call for just a routine insurance inquiry.
We prioritize building lasting relationships with our clients, providing personalized guidance to help you make the best decisions possible. Trust us to have your back and provide the support you need. Contact us today, and let us demonstrate the value of having a dedicated insurance advisor on your side.