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People have higher liability insurance on their cars primarily to protect themselves financially in the event of an accident. Liability insurance is a type of auto insurance that covers the cost of damage or injuries to others if the policyholder is at fault in a car accident. Here are a few key reasons why people opt for higher liability insurance coverage:

  1. Legal requirements: In most jurisdictions, drivers are legally required to carry a minimum amount of liability insurance. These minimum coverage limits ensure that drivers can compensate others for any damages or injuries they may cause in an accident. People may choose higher liability insurance to meet or exceed these legal requirements.
  2. Protecting personal assets: If a driver causes a serious accident resulting in significant property damage, medical expenses, or lawsuits, the costs can quickly escalate beyond the minimum coverage limits. By having higher liability insurance, individuals can protect their assets, such as savings, investments, or property, from being depleted in the event of a costly accident.
  3. Medical costs and legal expenses: When someone is injured in an accident caused by the policyholder, liability insurance helps cover their medical expenses. In severe cases, these expenses can be high, including hospital bills, surgeries, and rehabilitation. Additionally, liability insurance can assist in covering legal expenses if the injured party decides to file a lawsuit against the you.
  4. Peace of mind: Having higher liability insurance offers peace of mind. Car accidents can occur unexpectedly, and the financial consequences can be heavy. Knowing that you have enough coverage to protect yourself and others in such situations can alleviate stress and provide a sense of security.
  5. Other driver’s protection: Liability insurance not only covers damage to other vehicles but also compensates for injuries sustained by other drivers, passengers, or pedestrians involved in the accident. People raise their liability limits to ensure that there is sufficient financial protection for others affected by an accident caused by you.In conclusion, people have higher liability insurance on their cars primarily to protect themselves financially in the event of an accident. Also, to meet legal requirements, protect their assets, cover medical and legal expenses, find peace of mind, and ensure adequate protection for others. By having higher limits, individuals can safeguard their financial well-being and fulfill their legal obligations. Call Lumenasa Insurance Agency for a quote at 1-855-210-1301 or email us at