Buying Auto Insurance
Portland Car Accident Lawyers
When people ask me for advice on buying auto insurance, I tell them to buy as much as you can afford.
So you want to get the highest amount of insurance you can afford. And you particularly want to focus on your uninsured motorist protection and underinsured motorist protection. You want to call your agent and get at least $250,000 worth of unisnured and underinsured to protect you and your family in case someone who does not have enough insurance hits you.
When I was a kid and I first got a car, I was thinking about driving it without insurance. And I told my father this. And he said, "You can't do that, it's illegal." And I said, "Well, I'm not going to get caught." And he said, "Let me ask you something Josh. How are you going to feel if you run over a kid, and he needs to be in a hospital, and you don't have the money to pay for it?" And I thought, Oh. That's a really good point."
And the same principle applies to the amount of insurance you buy. If you hit someone, and they're really badly injured, you want enough insurance to pay for that. And, buying more insurance is going to cover you and your family and your loved ones, your friends that are in your car with you. So if you're driving along, and someone hits you, and they cause serious injury, you're in the hospital for months, you can't work anymore, and they only have $25,000 worth of insurance, you're probably only going to get about $25,000 from them. And that's not going to cover it.