Recently, there was an unfortunate accident on February 7, 2015 reported by the news and social media involving four vehicles and one very famous former Olympian, Bruce Jenner. For those not familiar with the incident, it was a chain reaction involving Mr. Jenner, whose Escalade rear-ended a Lexus, pushing that vehicle into the oncoming path of a Hummer, resulting in a terrible accident with one dead and many others injured. This is a scenario none of us ever want to experience; however, it is still a terrible possibility that we need to be prepared for with personal auto insurance.

Policy Limits

It would be logical to assume that someone such as Bruce Jenner would carry high personal auto insurance limits as well as extra coverage in the form of an umbrella policy. It appears that such was not the case with Mr. Jenner. Unfortunately, this tale is an all too familiar one where an insured believes that they carry enough coverage and limits to handle any claim on their personal auto insurance policy. We purchase coverage limits for our personal vehicles hoping that we never have to use it. Yet, it seems pointless to even carry such coverage if the limits are not high enough to completely cover you in any at-fault accident.

Increasing Policy Limits

While there is never enough money to bring back a loved one, if Mr. Jenner carried higher personal auto insurance limits as well as the additional coverage of an umbrella policy, the victim’s family in this unfortunate car accident would be able to settle with the insurance company and not have to pursue a claim against Mr. Jenner’s personal assets through the judicial system. Call the insurance professionals at Jones & Associates Insurance to find out how affordable it is to increase your limits. The cost may be greater; however, you will not regret doing so in the event of an accident.

Uninsured/Underinsured Coverage

Most states require that a minimum amount of liability insurance be carried; unfortunately, this amount of personal auto insurance is much lower than what is really needed to adequately cover the losses associated with many car accidents. There is also the risk of an accident with someone who is either uninsured or under insured in the personal auto insurance that they do carry. You cannot prevent accidents from happening; however, you can better protect yourself and your passengers by carrying Uninsured/Underinsured coverage on your personal auto insurance policy.

Uninsured Motorist Coverage provides payment to you if the at-fault driver has no insured, while Underinsured Motorist Coverage provides for payment under your policy when the limits carried by the at-fault driver are inadequate to cover all the loses resulting from a car accident. Look on this coverage as the best way to protect you and anyone riding in your car when you are not responsible for an accident and there is inadequate policy limits to pay all claims.

Bruce Jenner’s story is a sad tale of an underinsured driver, a situation created either by choice or unawareness, a situation that is completely avoidable. Accidents are rarely foreseen or avoidable; however, being prepared is something you can count on with personal auto insurance. Contact the insurance team at Jones & Associates Insurance today to learn how affordable personal auto insurance can be!

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