Why State Minimum Auto Insurance May Leave You Financially Vulnerable 

Many drivers believe that having the minimum auto insurance required by their state is enough. While it meets legal requirements, this basic coverage often offers limited protection and can leave you financially vulnerable after an accident.

The Hidden Costs of an Accident

If you’re a new driver, it’s important to know that basic liability insurance might not be enough in a serious accident. Medical bills, car repairs and legal costs can add up fast, and if they exceed your coverage limits, you’ll have to pay the rest yourself. That’s why many drivers choose higher coverage for better protection.

Limited Protection for Your Own Vehicle

State minimums typically don’t include collision or comprehensive coverage. So if your car is damaged in an accident, stolen or affected by a natural disaster, you’re likely on your own for repair or replacement costs.

Uninsured and Underinsured Drivers

Despite legal requirements, many drivers remain uninsured or underinsured. Without adequate uninsured/underinsured motorist coverage, you could be left footing the bill for someone else’s negligence.

The Benefits of Having More Coverage

Upgrading your policy isn’t just about compliance; it’s about protecting your financial future. Higher liability limits, robust coverage and added protections like roadside assistance or rental reimbursement can make a difference when the unexpected happens.

Reliable Insurance Partner Near You

At AIC Insurance Agency - Medford in Medford, Oregon, we can offer personalized insurance solutions—not generic, one-size-fits-all policies. Our experienced agents take the time to understand your unique needs and recommend coverage that truly financially protects what matters most. Known for our integrity and commitment to personal service, we’re your trusted partner for smarter, more secure auto insurance. Contact us today to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.