{"id":386,"date":"2018-02-27T09:00:00","date_gmt":"2018-02-27T09:00:00","guid":{"rendered":"https:\/\/www.pizanoinsurance.com\/blog\/?p=386"},"modified":"2018-02-27T21:21:07","modified_gmt":"2018-02-27T21:21:07","slug":"do-i-need-car-insurance-above-the-required-liability-coverage","status":"publish","type":"post","link":"https:\/\/www.pizanoinsurance.com\/blog\/do-i-need-car-insurance-above-the-required-liability-coverage\/","title":{"rendered":"Do I Need Car Insurance Above the Required Liability Coverage?"},"content":{"rendered":"<p><span style=\"font-family:arial,sans-serif\">We all know that most require us to carry minimum liability insurance on our vehicles.&nbsp; That&rsquo;s the law so we get the minimum and consider ourselves sufficiently covered.&nbsp; That may not entirely be the truth.&nbsp; First, understand that liability insurance covers the cost of repairs to the <u>other<\/u> person&rsquo;s vehicle if you are deemed to be at fault.&nbsp; Bodily injury and property damage are the two areas covered by liability insurance. &nbsp;These policies will provide funding for medical expenses and damage caused by an accident where you are liable.&nbsp; It should be made clear that a minimum liability coverage will provide no monies to cover your own vehicle repairs and medical costs in an accident where you are deemed responsible.&nbsp; The agents at Pizano Insurance, serving the Wayzata, MN and Albertville, MN areas, can talk with you about what your policy really covers.&nbsp; <\/span><\/p>\n<p><span style=\"font-family:arial,sans-serif\">If you are leasing or financing a vehicle, the lender may require that you carry additional insurance protection.&nbsp; Many lenders require collision and\/or comprehensive coverage policies.&nbsp; This protects their financial interest in the vehicle until the debt is paid off.&nbsp; Even if you own your vehicle, you should consider the financial protection these more encompassing policies can offer you.&nbsp; With you will pay a higher premium each period, if you are in an accident, you have a higher level of safety.<\/span><\/p>\n<p><span style=\"font-family:arial,sans-serif\">From home to auto or commercial insurance needs, the team at Pizano Insurance serves the needs of the Wayzata and Albertville, MN areas.&nbsp; They can help ensure that you have adequate insurance coverage based on your current needs.&nbsp; Periodically, you can have your agent review your policy should your lifestyle or needs change.&nbsp; Visit their website then visit their office for the coverage you need.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>We all know that most require us to carry minimum liability insurance on our vehicles.&nbsp; That&rsquo;s the law so we get the minimum and consider ourselves sufficiently covered.&nbsp; That may not entirely be the truth.&nbsp; First, understand that liability insurance covers the cost of repairs to the other person&rsquo;s vehicle if you are deemed to [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[24,44],"class_list":["post-386","post","type-post","status-publish","format-standard","hentry","category-auto-insurance-car-insurance","tag-auto","tag-home"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.pizanoinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/386","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.pizanoinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.pizanoinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.pizanoinsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pizanoinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=386"}],"version-history":[{"count":1,"href":"https:\/\/www.pizanoinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/386\/revisions"}],"predecessor-version":[{"id":387,"href":"https:\/\/www.pizanoinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/386\/revisions\/387"}],"wp:attachment":[{"href":"https:\/\/www.pizanoinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=386"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.pizanoinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=386"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.pizanoinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=386"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}