sunny_happy_daisy asked:
I am 21 years old and and married. I drive a 1 year old volkswagen rabbit, have had one speeding ticket and 1 major accident where I totaled my car(I was deemed at fault although it was BS, she hit me). I am renewing my policy and thought I had way to much coverage but I was reading this and apparently I need even more. http://www.consumerreports.org/cro/cars/new-cars/buying-advice/a-guide-to-car-insurance-405/ I do not own a house, the largest asset is our cars which are not that much.
Currently I have:
100,000/300,000 bodily injury
50,000 property damage
100,000/300,000 stacked uninsured motorist
500 deductible for comprehensive/collision
30 rental reimbursement- that is the cheapest they have and since I am under 25 I want to keep that on
I was told the accident was my fault because I was making a left hand turn so it automatically becomes my fault. I should have have plenty of time to make the turn but the woman who hit me came out from behind another car and was hauling, she totaled my car in a side impact when the speed limit was 35. I had forgotten my cell phone that day so she was the one who called the police and I could not call anyone for advice on what I was supposed to do. It was my first accident and when the cop showed up I was hysterical crying just because I had been so shaken up. I never got to tell my side of the story because. She actually had told the officer she knew I was not injured even though I had banged up my knee and arm.
I did not go to traffic school for the speeding ticket because I was not going fast enough to get any points on my license. I was going 38 in a 25 woo hoo!
