Waukesha Wisconsin Insurance - Couri Insurance

379 W Main St
Waukesha, WI 53186
Phone: 262-548-8077
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Six Reasons Why You Need Car Insurance – Part Two

July 11, 2017 By Caryn Papenthien

Young man behind the wheel of his car

This post is part two of the blog post that answers the question “How much car insurance is enough?”

Compensation for Harm You Cause Others

In addition to property damage liability, Waukesha drivers must also consider their legal and financial responsibilities after an accident that injures one or more victims. If you cause a collision, victims can sue you for compensation for medical bills, lost wages, rehabilitative care, emotional distress, and more. If you were intoxicated, texting, or in any way negligent in causing the accident, a jury could also impose punitive damages.

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Bodily injury liability is the part of your car insurance policy that pays for injury-related liability. In Wisconsin, drivers are required to carry at least the legally required minimum coverage, but that may not be enough to provide significant protection against a major lawsuit. Without adequate limits, your income and assets at risk. We recommend choosing the high-limit coverage that safeguards your future against financial devastation.

Split Limits vs. Combined Single Limit (CSL)

Bodily injury liability limits may appear on your policy as either a split limit or a combined single limit (CSL). A split limit is two different limits on your coverage – one per individual and one per accident. If you choose a 250/500 split, for example, your insurer would pay up to $250,000 per victim and up to $500,000 in total bodily injury liability for all victims combined per accident.

A combined single limit has only one limit – the total available bodily injury liability coverage per accident. If you have a 300 CSL, for example, your insurer would pay up to $300,000 in damages to be allocated among victims with no cap on individual coverage.

Money to Protect You and Your Passengers against Uninsured or Underinsured Drivers

If you are injured in an accident, you rely on the at-fault driver to compensate you for your losses. Far too often, the at-fault driver either has insufficient coverage or no insurance at all. With uninsured motorist (UI) and underinsured motorist (UIM) protection, you can better protect you and your passengers against the negligence of others. UI helps cover you and your passengers if an uninsured driver injures you, and UIM helps pay for injury-related losses that exceed the limits in an at-fault driver’s policy.

Money to Help with the Little Things

Little things can add up to big things when you have to pay for several expenses all at once. After a car accident, you may have bills coming in for small charges that quickly become a financial burden. At Couri Insurance, we help our customers personalize their insurance to include coverage for ‘extras,’ such as towing, a rental car, and medical payments for co-pays and health insurance deductibles after an accident.

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Beyond Car Insurance

When you choose the right limits and coverage for your car insurance policy, you will be covered against most accident-related liability. However, there are scenarios in which your liability could exceed the coverage on your policy, potentially threatening your income and assets. Instead of exposing your family’s financial future to potential risk, reduce your financial vulnerability with an umbrella policy.

Umbrella insurance is supplemental liability insurance that provides secondary coverage to the liability coverage on your car insurance policy. If your liability exceeds the high limits on your primary coverage, umbrella insurance takes over, paying additional damages up to the limits of your policy. Most umbrella insurance can extend your liability by $1 million or more – all at a surprisingly affordable price.

For more information about umbrella insurance and whether it could be right for you, contact the team here at Couri Insurance today.

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Filed Under: Automobile

Insurance can be confusing at times and everyone's needs are different. If you have questions regarding coverage, pricing, or anything else related to insurance, send us an email or give us a call.

If you'd like to get a free, no-obligation quote, all you have to do is ask!

Contact Couri Today!

About Caryn Papenthien

Caryn Papenthien is the Vice President Commercial Lines at Couri Insurance. She can be reached at 262-548-8077.

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I have been with this company since 1984 and I started with renters insurance, then home insurance. My experience has been great and I trust them and they are reliable.
M Walker
It went very well.  She was very, very satisfied with the service she received so when our insurance came due; we went to that the same agent so we were very happy with them.
Judith KaplanAsheville, NC
When our last insurance company didn’t write the insurance we needed we went to Couri for a quote. Couri replaced all of our insurance with better coverage and included the new policy for less than what we have been paying. Be smart and get a quote.
Steve Johnson
Been with them almost 25 years – good service and local – easy to reach by person – face to face.
Bryan D Held
It was wonderful, spectacular. They take care of something the same day.
Greg BeebeVernon, WI
My agent is always responded immediately and took care of any task at hand! I would strongly recommend Dave to anyone that needs any type of insurance. He is a pleasant guy whom knows his job well.
Gail Cloyd
When I first came to Waukesha in 1994, and bought a building to invest in. I thought Waukesha had great potential to thrive. I called to insure the small building that interested me. At the time, I had all my insurance with a major National company and had for at least 10 years. When I called my agent at the time, he said that their company could not insure the building. I was stunned. I was new to Waukesha, so I thought it would be nice to support a local company who should certainly better und…
JT Seymour
Great, reliable service. I would recommend to anyone!
Donna Caliendo
I’ve had Couri insurance since I can remember, at least 30 years. It was a different name back then. I have never changed! Nobody has ever beaten the price I have with them. NOBODY, but I have not had accidents or really any insurance claims. They responded very quickly and had a check in my hand for repairs within a week. (One for the house) They give me no reason to change, I had one issue in all those years. I say that is good for all those years and different agents. Thanks for the great se…
Lanette Wagner
We have been with Couri Insurance for around 15 years and are very happy with our auto coverage and their customer service. Steve has been great to work with!
Brenda Larson

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