How much insurance should I have to be protected?

A: You should carry as much insurance as you can afford. If you are in a serious wreck and cannot work for a year, how much will you need? What if you cannot go back to work?  What if you are at fault and the shoe is on the other foot? What could you lose if you had no insurance?  For most people our firm recommends a minimum of $100,000 per person, $300,000 per vehicle. This means that the most someone could recover from your insurance (if you were at fault) is $100,000, and if you were injured by an uninsured driver or underinsured driver, the most you could recover would be $100,000.  That's alot of money, but it won't last long, it may not even cover all the medical bills.  So, in addition to getting the most car insurance you can afford (generally $250,000/person, $500,000/vehicle) we also recommend that people talk to their insurance agent about getting an umbrella for $1,000,000 or more. 

Phillip Miller & Associates
631 Woodland Street
Nashville, TN 37206
Phone: (615) 356-2000
Fax: (615) 242-1739
Toll Free: (800) 337-HURT
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