Hi, I’m Phil Klein from PKIG and this is part of our frequently asked insurance questions series. We are often asked how much bodily injury liability coverage is needed on your car insurance. We believe as insurance advisors this is one of the most important aspects of our job. The key is that there’s no one size fits all answer. What we feel very strongly about is that the minimum amount required by the state of Michigan (currently $20,000 and increasing to $50,000 in July of 2020) is not enough for any driver. The reason for this is that bodily injury liability typically comes into play when someone has been killed, seriously injured, or permanently disfigured as a result of a car accident. You can imagine if this has occurred, $20,000 or even $50,000 might not go very far in a court of law and potential judgement.
Our risk managers are trained to ask you the key questions for determining how much you actually need to protect your family. If you pay for insurance, we believe it’s important that you are properly protected if you need to use it. For a custom consultation, contact us today at PKIG.com

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