Their seems to be a misconception on insurance nowadays that I believe we should clear up. When I am helping a new client for the first time, I ask "Whats type of insurance would you like?" more often than not the client will respond "Oh, whatever the police wants." or "The one for the cops." First, let me say yes, liability insurance will keep the police from issuing a ticket or towing your vehicle, but the insurance is not to benefit the police, it's for YOU to use. The right coverage will protect others, your family, and yourself in case of an accident weather you're at fault or not. The right amount of liability coverage will protect you in case you are ever at fault in an accident, it will prevent the other party from going after you directly. So many times I have heard of people getting sued and losing money and even assets since they either didn't have insurance or didn't have enough insurance. You do not want to find yourself in a situation like this. Also remember that although the liability just covers others in case you hit them, you can also have coverage for yourself and your passengers! With the un-insured and under-insured coverages, you will have medical coverage for passengers and yourself in case the driver at fault and say, they don't have insurance, leave the scene of the accident (Hit and Run) or even if their insurance isn't sufficient to cover the losses. Here at Oasis insurance, our main priority is You, not the police, not the MVD, not even Sheriff Joe. We want to make sure that you are properly taken care of and all of your needs are met. Be sure to ask about these coverages the next time you speak to an agent, we are happy to help.
Andrew Ferman
Oasis Insurance
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