No one ever knows when they’re going to cause a car accident, which is why being properly insured is crucial. Even if you have a spotless driving record to date, one unfortunate turn of events can change that in an instant. Auto liability insurance is specifically designed to protect you in a situation just like this. The insurance agents at Alcorn Insurance Agency are committed to working with drivers in New Mexico and Colorado, to find insurance plans that will suitably cover their financial needs. Ask us why you should carry higher than state limits for your liability.

If you’re unconvinced of the necessity of paying for liability insurance every month, here are a variety of ways in which this investment actually benefits you:

• Meets State Requirements: Most states have financial responsibility laws that legally require drivers to carry a minimum amount of liability insurance. If you were involved in an accident and are found to be negligent of carrying the minimum coverage limits, it’s likely you would face heavy fines in addition to the cost of the damage.

• Provides Protection for At-Fault Accidents: When you are the at-fault party of a collision, you will be held accountable to pay for the property damage done to the other driver’s car and any bodily injuries they or their passengers may have sustained. The purpose of your liability insurance is to cover all medical and repair bills so you don’t have to pay out-of-pocket for thousands of dollars.
• Affordable to Carry: Liability insurance is one of the most affordable ways to protect yourself. Because of this, you may want to consider buying more coverage than the state’s minimum standards. You can give yourself greater peace of mind by investing in higher limits and still pay reasonable monthly premiums.

Although every driver should have liability insurance, your unique financial circumstances will determine how much you require to keep your assets secure. Contact Alcorn Insurance Agency at (575) 756-2197 to compare auto insurance quotes, or visit their website for additional information.