What Coverages Should I Have For Auto Insurance?

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   David Osgood

   Agent, Rural Mutual Insurance Co., Union Grove, WI

   In my personal opinion. I tell my prospective clients to get nothing less than 100/300/100 coverage. What the numbers mean is 100000 of liability coverage per individual and 300000 of liability coverage per accident along with 100000 of liability coverage for property damage that you are deemed responsibly for. I would also recommend 100/300 coverage for uninsured and under-insured motorist at minimum. Collision and other than collision coverage is up to the individual unless you have a loan on the vehicle, then the lender will more than likely require it. Deductibles for collision and other than collision are up to what you are able to bear financially or what your lender is willing to accept.

   Answered on September 11, 2013

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