The media is full of stories about the high cost of health care. When you go to your own health professional, you get a wake up call about how much even a simple issue can cost. Have you thought about your auto insurance policy and how much you can count on for help should you be at-fault in an accident?

A basic auto insurance policy (besides a Low Cost Auto Policy) will cover $15,000 of medical expenses for one person injured in a crash caused by you. That same minimum policy will cover expenses totaling $30,000 for everyone injured in the accident. That’s it.

According to a report by Rocky Mountain Insurance Information Institute ( the average auto liability claim for bodily injury was $15,443. That means you would be on the hook for about $500 if  there was only one injury. Two injuries with minimum coverage will take $1,000 out of your pocket. Remember this is an average. In our whiplash society filled with personal injury lawyers happy to exploit what they hope is a lawsuit lotto.

On  the website Injury Claims Coach (, the following advice is offered: ” The most frequently asked question from personal injury claimants is, ‘How much are my injuries worth?’ Many factors are involved in calculating the final amount your claim will settle for. It’s often more complicated than simply adding up your bills and tacking on an amount for pain and suffering.

Other factors affecting the settlement include proof of liability, the county or city where the injury occurred (known as “venue”), whether medical treatments were ‘reasonable and necessary,’ the at-fault party’s driving record, and the claimant’s level of comparative fault.”

Talk to your insurance professional and see that you have the coverage you need. Don’t be the deep pockets you may not have.