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"Every time
you drive, you're putting your life and
fortune into the hands of the strangers with
whom you are sharing the road." So
begins a Nov. 13 column in the Orange County
Register entitled, "You Need To Get
More". The "more" that
columnist Gordon Dillow is talking about is
automobile liability insurance.
The state of
California set minimum requirements for
liability insurance at $15,000 bodily injury
per individual, $30,000 per accident and
$5,000 property damage. Do those numbers
sound low to you? They should. The
minimums were set in 1967 and have never been
revised. Take a tour of a body shop
these days and see just how far $5,000 will
get you.
To give you
some perspective, Alandale Insurance Agency
recommends as a general rule $100,000 bodily
injury per individual, $300,000 per accident
and $50,000 property damage with matching
uninsured motorist limits*.
The agency won't even provide insurance to
those requesting less than $50,000/$100,000
because the state mandated minimum limits are
so woefully outdated.
Dillow
mentions in his column that just over 20
percent of all drivers in California are
driving without insurance. Combine that
with the fact that many of those that are
insured have limits dating back to Lyndon
Johnson and you quickly realize that driving
without proper insurance coverage is a
financial crisis waiting to happen.
*Insurance
recommendations are for comparison purposes
only. Contact your agent to have a full
insurance review according on your unique
circumstances.
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