HOOK
Most drivers think their auto policy is fine... until they file a claim and find out it doesn’t cover what they expected. Here are 3 common mistakes that can leave you paying out of pocket.
[B-roll: driver reading an insurance bill, then a claim form on a phone screen]
KEY POINT 1
First: carrying only the state minimum. Minimum liability may keep you legal, but it might not be enough if you cause a serious crash. One big accident can exceed those limits fast.
[B-roll: fender bender turning into a larger multi-car crash graphic]
KEY POINT 2
Second: choosing a deductible you can’t actually afford. A lower monthly premium sounds good, but if your deductible is too high, you may hesitate to repair your car when you need to.
[B-roll: comparing premium and deductible on a simple chart]
KEY POINT 3
Third: skipping uninsured or underinsured motorist coverage. If the other driver has little or no insurance, this coverage can help protect you from surprise costs after an accident.
[B-roll: hit-and-run scene, then coverage checklist overlay]
CTA
Before you renew, check your liability limits, deductible, and uninsured motorist coverage. A quick review today can save you a lot of stress later. Want a simple coverage checklist? Tap to learn more.
[B-roll: person reviewing policy on laptop, then closing shot with checklist icon]
