What Does MY Auto Coverage Do For Me?3. What Do My Auto Limits Do
For Me?
• You’ve just been an accident in which 3 people have
been injured.
4. What Do My Auto Limits Do
For Me?
• You’ve just been an accident in which 3 people have
been injured.
Are You Protected?
5. What Do My Auto Limits Do
For Me?
• You’ve just been an accident in which 3 people have
been injured.
Are You Protected?
Lets See...
6. Person(1 Person(2 Person(3
Liability(Limits Remaining
Claims(Amount( Claims(Amount( Claims(Amount( Exposure
$20,000 $90,000 $150,000
covered
25/50
not(covered
covered
50/100
not(covered
covered
100/300
not(covered
covered
250/500
not(covered
7. Person(1 Person(2 Person(3
Liability(Limits Remaining
Claims(Amount( Claims(Amount( Claims(Amount( Exposure
$20,000 $90,000 $150,000
covered $20,000
25/50
not(covered
covered
50/100
not(covered
covered
100/300
not(covered
covered
250/500
not(covered
8. Person(1 Person(2 Person(3
Liability(Limits Remaining
Claims(Amount( Claims(Amount( Claims(Amount( Exposure
$20,000 $90,000 $150,000
covered $20,000
25/50
not(covered $0.00
covered
50/100
not(covered
covered
100/300
not(covered
covered
250/500
not(covered
9. Person(1 Person(2 Person(3
Liability(Limits Remaining
Claims(Amount( Claims(Amount( Claims(Amount( Exposure
$20,000 $90,000 $150,000
covered $20,000 $25,000
25/50
not(covered $0.00
covered
50/100
not(covered
covered
100/300
not(covered
covered
250/500
not(covered
10. Person(1 Person(2 Person(3
Liability(Limits Remaining
Claims(Amount( Claims(Amount( Claims(Amount( Exposure
$20,000 $90,000 $150,000
covered $20,000 $25,000
25/50
not(covered $0.00 $65,000
covered
50/100
not(covered
covered
100/300
not(covered
covered
250/500
not(covered
11. Person(1 Person(2 Person(3
Liability(Limits Remaining
Claims(Amount( Claims(Amount( Claims(Amount( Exposure
$20,000 $90,000 $150,000
covered $20,000 $25,000 $5,000
25/50
not(covered $0.00 $65,000
covered
50/100
not(covered
covered
100/300
not(covered
covered
250/500
not(covered
12. Person(1 Person(2 Person(3
Liability(Limits Remaining
Claims(Amount( Claims(Amount( Claims(Amount( Exposure
$20,000 $90,000 $150,000
covered $20,000 $25,000 $5,000
25/50
not(covered $0.00 $65,000 $145,000
covered
50/100
not(covered
covered
100/300
not(covered
covered
250/500
not(covered
13. Person(1 Person(2 Person(3
Liability(Limits Remaining
Claims(Amount( Claims(Amount( Claims(Amount( Exposure
$20,000 $90,000 $150,000
covered $20,000 $25,000 $5,000
25/50
$210,000
not(covered $0.00 $65,000 $145,000
covered
50/100
not(covered
covered
100/300
not(covered
covered
250/500
not(covered
14. Person(1 Person(2 Person(3
Liability(Limits Remaining
Claims(Amount( Claims(Amount( Claims(Amount( Exposure
$20,000 $90,000 $150,000
covered $20,000 $25,000 $5,000
25/50
$210,000
not(covered $0.00 $65,000 $145,000
covered $20,000
50/100
not(covered
covered
100/300
not(covered
covered
250/500
not(covered
15. Person(1 Person(2 Person(3
Liability(Limits Remaining
Claims(Amount( Claims(Amount( Claims(Amount( Exposure
$20,000 $90,000 $150,000
covered $20,000 $25,000 $5,000
25/50
$210,000
not(covered $0.00 $65,000 $145,000
covered $20,000
50/100
not(covered $0.00
covered
100/300
not(covered
covered
250/500
not(covered
16. Person(1 Person(2 Person(3
Liability(Limits Remaining
Claims(Amount( Claims(Amount( Claims(Amount( Exposure
$20,000 $90,000 $150,000
covered $20,000 $25,000 $5,000
25/50
$210,000
not(covered $0.00 $65,000 $145,000
covered $20,000 $50,000
50/100
not(covered $0.00
covered
100/300
not(covered
covered
250/500
not(covered
17. Person(1 Person(2 Person(3
Liability(Limits Remaining
Claims(Amount( Claims(Amount( Claims(Amount( Exposure
$20,000 $90,000 $150,000
covered $20,000 $25,000 $5,000
25/50
$210,000
not(covered $0.00 $65,000 $145,000
covered $20,000 $50,000
50/100
not(covered $0.00 $40,000
covered
100/300
not(covered
covered
250/500
not(covered
18. Person(1 Person(2 Person(3
Liability(Limits Remaining
Claims(Amount( Claims(Amount( Claims(Amount( Exposure
$20,000 $90,000 $150,000
covered $20,000 $25,000 $5,000
25/50
$210,000
not(covered $0.00 $65,000 $145,000
covered $20,000 $50,000 $30,000
50/100
not(covered $0.00 $40,000
covered
100/300
not(covered
covered
250/500
not(covered
19. Person(1 Person(2 Person(3
Liability(Limits Remaining
Claims(Amount( Claims(Amount( Claims(Amount( Exposure
$20,000 $90,000 $150,000
covered $20,000 $25,000 $5,000
25/50
$210,000
not(covered $0.00 $65,000 $145,000
covered $20,000 $50,000 $30,000
50/100
not(covered $0.00 $40,000 $120,000
covered
100/300
not(covered
covered
250/500
not(covered
20. Person(1 Person(2 Person(3
Liability(Limits Remaining
Claims(Amount( Claims(Amount( Claims(Amount( Exposure
$20,000 $90,000 $150,000
covered $20,000 $25,000 $5,000
25/50
$210,000
not(covered $0.00 $65,000 $145,000
covered $20,000 $50,000 $30,000
50/100
$160,000
not(covered $0.00 $40,000 $120,000
covered
100/300
not(covered
covered
250/500
not(covered
21. Person(1 Person(2 Person(3
Liability(Limits Remaining
Claims(Amount( Claims(Amount( Claims(Amount( Exposure
$20,000 $90,000 $150,000
covered $20,000 $25,000 $5,000
25/50
$210,000
not(covered $0.00 $65,000 $145,000
covered $20,000 $50,000 $30,000
50/100
$160,000
not(covered $0.00 $40,000 $120,000
covered $20,000
100/300
not(covered
covered
250/500
not(covered
22. Person(1 Person(2 Person(3
Liability(Limits Remaining
Claims(Amount( Claims(Amount( Claims(Amount( Exposure
$20,000 $90,000 $150,000
covered $20,000 $25,000 $5,000
25/50
$210,000
not(covered $0.00 $65,000 $145,000
covered $20,000 $50,000 $30,000
50/100
$160,000
not(covered $0.00 $40,000 $120,000
covered $20,000
100/300
not(covered $0.00
covered
250/500
not(covered
23. Person(1 Person(2 Person(3
Liability(Limits Remaining
Claims(Amount( Claims(Amount( Claims(Amount( Exposure
$20,000 $90,000 $150,000
covered $20,000 $25,000 $5,000
25/50
$210,000
not(covered $0.00 $65,000 $145,000
covered $20,000 $50,000 $30,000
50/100
$160,000
not(covered $0.00 $40,000 $120,000
covered $20,000 $90,000
100/300
not(covered $0.00
covered
250/500
not(covered
24. Person(1 Person(2 Person(3
Liability(Limits Remaining
Claims(Amount( Claims(Amount( Claims(Amount( Exposure
$20,000 $90,000 $150,000
covered $20,000 $25,000 $5,000
25/50
$210,000
not(covered $0.00 $65,000 $145,000
covered $20,000 $50,000 $30,000
50/100
$160,000
not(covered $0.00 $40,000 $120,000
covered $20,000 $90,000
100/300
not(covered $0.00 $0.00
covered
250/500
not(covered
25. Person(1 Person(2 Person(3
Liability(Limits Remaining
Claims(Amount( Claims(Amount( Claims(Amount( Exposure
$20,000 $90,000 $150,000
covered $20,000 $25,000 $5,000
25/50
$210,000
not(covered $0.00 $65,000 $145,000
covered $20,000 $50,000 $30,000
50/100
$160,000
not(covered $0.00 $40,000 $120,000
covered $20,000 $90,000 $150,000
100/300
not(covered $0.00 $0.00
covered
250/500
not(covered
26. Person(1 Person(2 Person(3
Liability(Limits Remaining
Claims(Amount( Claims(Amount( Claims(Amount( Exposure
$20,000 $90,000 $150,000
covered $20,000 $25,000 $5,000
25/50
$210,000
not(covered $0.00 $65,000 $145,000
covered $20,000 $50,000 $30,000
50/100
$160,000
not(covered $0.00 $40,000 $120,000
covered $20,000 $90,000 $150,000
100/300
not(covered $0.00 $0.00 $50,000
covered
250/500
not(covered
27. Person(1 Person(2 Person(3
Liability(Limits Remaining
Claims(Amount( Claims(Amount( Claims(Amount( Exposure
$20,000 $90,000 $150,000
covered $20,000 $25,000 $5,000
25/50
$210,000
not(covered $0.00 $65,000 $145,000
covered $20,000 $50,000 $30,000
50/100
$160,000
not(covered $0.00 $40,000 $120,000
covered $20,000 $90,000 $150,000
100/300 $50,000
not(covered $0.00 $0.00 $50,000
covered
250/500
not(covered
28. Person(1 Person(2 Person(3
Liability(Limits Remaining
Claims(Amount( Claims(Amount( Claims(Amount( Exposure
$20,000 $90,000 $150,000
covered $20,000 $25,000 $5,000
25/50
$210,000
not(covered $0.00 $65,000 $145,000
covered $20,000 $50,000 $30,000
50/100
$160,000
not(covered $0.00 $40,000 $120,000
covered $20,000 $90,000 $150,000
100/300 $50,000
not(covered $0.00 $0.00 $50,000
covered $20,000
250/500
not(covered
29. Person(1 Person(2 Person(3
Liability(Limits Remaining
Claims(Amount( Claims(Amount( Claims(Amount( Exposure
$20,000 $90,000 $150,000
covered $20,000 $25,000 $5,000
25/50
$210,000
not(covered $0.00 $65,000 $145,000
covered $20,000 $50,000 $30,000
50/100
$160,000
not(covered $0.00 $40,000 $120,000
covered $20,000 $90,000 $150,000
100/300 $50,000
not(covered $0.00 $0.00 $50,000
covered $20,000
250/500
not(covered $0.00
30. Person(1 Person(2 Person(3
Liability(Limits Remaining
Claims(Amount( Claims(Amount( Claims(Amount( Exposure
$20,000 $90,000 $150,000
covered $20,000 $25,000 $5,000
25/50
$210,000
not(covered $0.00 $65,000 $145,000
covered $20,000 $50,000 $30,000
50/100
$160,000
not(covered $0.00 $40,000 $120,000
covered $20,000 $90,000 $150,000
100/300 $50,000
not(covered $0.00 $0.00 $50,000
covered $20,000 $90,000
250/500
not(covered $0.00
31. Person(1 Person(2 Person(3
Liability(Limits Remaining
Claims(Amount( Claims(Amount( Claims(Amount( Exposure
$20,000 $90,000 $150,000
covered $20,000 $25,000 $5,000
25/50
$210,000
not(covered $0.00 $65,000 $145,000
covered $20,000 $50,000 $30,000
50/100
$160,000
not(covered $0.00 $40,000 $120,000
covered $20,000 $90,000 $150,000
100/300 $50,000
not(covered $0.00 $0.00 $50,000
covered $20,000 $90,000
250/500
not(covered $0.00 $0.00
32. Person(1 Person(2 Person(3
Liability(Limits Remaining
Claims(Amount( Claims(Amount( Claims(Amount( Exposure
$20,000 $90,000 $150,000
covered $20,000 $25,000 $5,000
25/50
$210,000
not(covered $0.00 $65,000 $145,000
covered $20,000 $50,000 $30,000
50/100
$160,000
not(covered $0.00 $40,000 $120,000
covered $20,000 $90,000 $150,000
100/300 $50,000
not(covered $0.00 $0.00 $50,000
covered $20,000 $90,000 $150,000
250/500
not(covered $0.00 $0.00
33. Person(1 Person(2 Person(3
Liability(Limits Remaining
Claims(Amount( Claims(Amount( Claims(Amount( Exposure
$20,000 $90,000 $150,000
covered $20,000 $25,000 $5,000
25/50
$210,000
not(covered $0.00 $65,000 $145,000
covered $20,000 $50,000 $30,000
50/100
$160,000
not(covered $0.00 $40,000 $120,000
covered $20,000 $90,000 $150,000
100/300 $50,000
not(covered $0.00 $0.00 $50,000
covered $20,000 $90,000 $150,000
250/500
not(covered $0.00 $0.00 $0.00
34. Person(1 Person(2 Person(3
Liability(Limits Remaining
Claims(Amount( Claims(Amount( Claims(Amount( Exposure
$20,000 $90,000 $150,000
covered $20,000 $25,000 $5,000
25/50
$210,000
not(covered $0.00 $65,000 $145,000
covered $20,000 $50,000 $30,000
50/100
$160,000
not(covered $0.00 $40,000 $120,000
covered $20,000 $90,000 $150,000
100/300 $50,000
not(covered $0.00 $0.00 $50,000
covered $20,000 $90,000 $150,000
250/500 $0.00
not(covered $0.00 $0.00 $0.00
35. National Trends
2001 - 2007
Average Vehicle Average Premises
Year Of Award Liability Award Liability Award
2001-2003 2004-2005 2006-2007
% of 1,000,000
12% 18% 13%
36. National Trends
2001 - 2007
Average Vehicle Average Premises
Year Of Award Liability Award Liability Award
2001-2003 2004-2005 2006-2007
% of 1,000,000
12% 18% 13%
37. National Trends
2001 - 2007
Average Vehicle Average Premises
Year Of Award Liability Award Liability Award
2001-2003 2004-2005 2006-2007
% of 1,000,000
12% 18% 13%
38. National Trends
2001 - 2007
Average Vehicle Average Premises
Year Of Award Liability Award Liability Award
2001
2002
2003
2004
2005
2006
2007
2001-2003 2004-2005 2006-2007
% of 1,000,000
12% 18% 13%
39. National Trends
2001 - 2007
Average Vehicle Average Premises
Year Of Award Liability Award Liability Award
2001
2002
2003
2004
2005
2006
2007
2001-2003 2004-2005 2006-2007
% of 1,000,000
12% 18% 13%
40. National Trends
2001 - 2007
Average Vehicle Average Premises
Year Of Award Liability Award Liability Award
2001 $208,743
2002 $219,489
2003 $209,700
2004 $277,242
2005 $324,998
2006 $284,582
2007 $472,454
2001-2003 2004-2005 2006-2007
% of 1,000,000
12% 18% 13%
41. National Trends
2001 - 2007
Average Vehicle Average Premises
Year Of Award Liability Award Liability Award
2001 $208,743
2002 $219,489
2003 $209,700
2004 $277,242
2005 $324,998
2006 $284,582
2007 $472,454
2001-2003 2004-2005 2006-2007
% of 1,000,000
12% 18% 13%
42. National Trends
2001 - 2007
Average Vehicle Average Premises
Year Of Award Liability Award Liability Award
2001 $208,743 $556,690
2002 $219,489 $590,448
2003 $209,700 $926,546
2004 $277,242 $501,902
2005 $324,998 $466,447
2006 $284,582 $515,077
2007 $472,454 $1,374,59
2001-2003 2004-2005 2006-2007
% of 1,000,000
12% 18% 13%
43. National Trends
2001 - 2007
Average Vehicle Average Premises
Year Of Award Liability Award Liability Award
2001 $208,743 $556,690
2002 $219,489 $590,448
2003 $209,700 $926,546
2004 $277,242 $501,902
2005 $324,998 $466,447
2006 $284,582 $515,077
2007 $472,454 $1,374,59
2001-2003 2004-2005 2006-2007
% of 1,000,000
12% 18% 13%
45. What Can You Do Without ?
• Real Property: Any residence valued over $2,500
46. What Can You Do Without ?
• Real Property: Any residence valued over $2,500
• Personal Autos
47. What Can You Do Without ?
• Real Property: Any residence valued over $2,500
• Personal Autos
• Liquid Assets: Any cash held either personally or by a financial
institution
48. What Can You Do Without ?
• Real Property: Any residence valued over $2,500
• Personal Autos
• Liquid Assets: Any cash held either personally or by a financial
institution
• Future Wages: Up to 25% in the state of Arkansas
Editor's Notes \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n