The Risks of Minimal Car Insurance Policies
When it comes to car insurance, many drivers focus on meeting the minimum state requirements. While that may check the legal box, it often leaves you exposed to significant financial risk in the event of an accident. At Stanton Insurance Group, we believe in protection that works for you—not just the law.
The Bare Minimum Might Not Be Enough
Minimal car insurance typically covers liability only, which means it pays for any damage you cause to others but not damage to your own vehicle. If you’re in an accident where you’re at fault, you’re responsible for your repairs and possibly much more. Worse still, even a minor incident can snowball into major costs.
What’s Often Missing from Minimal Policies:
- Collision Coverage: Helps pay for repairs to your vehicle after an accident, regardless of fault.
- Comprehensive Coverage: Covers non-collision-related damage like theft, weather, or animal strikes.
- Uninsured/Underinsured Motorist Coverage: Protects you if the other driver has insufficient or no coverage.
Why It Matters
An accident can cost thousands of dollars in vehicle damage, medical expenses, legal fees, and more. Minimal policies may leave you footing the bill—something most drivers aren’t prepared for. It’s not just about what’s legal, it’s about what’s enough. The right coverage doesn’t just protect your finances, it gives you the peace of mind that you and your loved ones are covered in the unexpected.
Peace of Mind with the Right Coverage
At Stanton Insurance Group, we tailor auto insurance policies that actually protect you, your passengers, and your wallet. Don’t wait for a wake-up call to find out what your policy doesn’t cover.
Let’s review your current coverage and fill in the gaps—before you need it.
Contact us today.
