Q&A with Chris Walton, Sales Representative
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Auto accidents can create serious financial risks, especially when bodily injuries are involved. Chris Walton explains how bodily injury coverage works, how long claims can take, and how to protect yourself with the right limits.
Q. How long does it take to resolve a bodily injury claim?
Chris Walton:
It depends. Some claims are resolved quickly, but others can turn into long legal battles, especially when both drivers say the accident wasn’t their fault.
Q. What mistakes do people make when choosing bodily injury coverage?
Chris Walton:
The biggest mistake is focusing too much on price instead of protection.
Many people choose the state’s minimum limits because they’re cheaper, but that may not be enough. You need to think about how much you have to protect, including savings, checking accounts, and other assets.
As you get older, you usually have more to lose, so it becomes even more important to have adequate liability limits.
Q. How can drivers make sure they’re properly protected?
Chris Walton:
First, meet with your agent at least once a year or every other year to make sure your coverage matches your financial situation.
Second, driving behavior matters, but so does having front and rear dash cameras. These recording devices can help determine fault after an accident. If video shows someone ran out in front of you, it can speed up the claims process and protect you from being blamed unfairly.
Final Thoughts
Bodily injury claims can take time, money, and legal effort to resolve. Choosing strong liability limits and reviewing your coverage regularly helps protect the assets you’ve worked hard to build and gives you peace of mind every time you get behind the wheel.