Most of us don’t pay any attention to our auto policy. We just assume that since we have insurance we’re covered. If you do look at your policy the numbers bring back memories of high school algebra:
25/50/25
50/100/50
100/300/100
Is this some kind of brain game? What do these numbers mean?
It’s not a math puzzle or some secret code. Each number represents a coverage level.
Let’s use the 25/50/25 to break down your liability coverage. This represents Kansas minimum level of liability insurance.
The first number represents $25,000 in bodily injury coverage for each person (the other people) if you are at fault in an accident.
The second number represents the limit per accident of $50,000 in coverage. With $25,000 per person from the first number the second number tells you the maximum amount your carrier will pay if there is more than one person injured in the accident. If there were two people injured in an at fault accident and their bodily injury is over $50,000 the additional amount would come out of your pocket.
The third number is what covers the property of the other party, with a damage limit of $25,000. This would cover the car of the other driver, light pole, street signs, garage, fence, or any personal property of others that you are at fault for damaging.
Each state has different rules that set the bare minimum liability insurance required.
We work with you to tailor your auto insurance coverage to fit your unique needs. We won’t recommend underinsuring to save money or trying to sell you something you don’t need. As Independent Insurance Agents we work with a large market of insurance carriers giving us the ability to find you the best coverage and rate in Great Bend, the surrounding Barton county area, and the state of Kansas. Shawn, Dana and Jeremy are insurance professionals not salespeople and we can’t say that enough.
If you want the best insurance professional working to find you the best insurance in Kansas click the picture below!
