This True Story Makes You Rethink Your Insurance Plan

Picture this:

In the middle of a busy workweek while attempting to make a phone call or text as you are driving…

You run smack dab into the middle of a fire truck.

Fortunately, no one is hurt.

And after all, you have State Minimums:

$25,000 per person / $50,000 per accident / $15,000 property damage.

Your insurance will surely cover you, right?

Well, not when you ran into the middle of that big red fire truck, stopped on the scene of a vehicle accident, lights flashing!  

The property damage to the fire truck comes to a whopping $18,000.

The reason for the high price tag? You cannot take a fire truck to a local auto body shop for repairs. It takes a specialty shop to fix these vehicles because the permanent attached equipment needs testing and verification.  This truck is only 8 months old and equipped with the latest equipment.  It also needs $800 worth of decals!  Dang!

Your policy can pay the $15,000, but the additional $3,000, plus $800 for the decals, and quite possibly more expenses needed to fix the truck, all comes out of your pocket.

This is why we at Union Colony Insurance recommend higher limits. Accidents happen, and if you are not properly covered, could face a major financial disaster. 

Often higher limits – $100,000 per person / $300,000 per accident / $100,000 property damage – only costs $50 – $75 more per year!

If you need auto limits of $250,000 per person $500,000 per accident, you might also qualify for an Umbrella Policy.

Turn a small investment into peace of mind when, and if, an accident occurs.

Call us today to discuss your Colorado State Minimums at 970-3529500.