Third-party liability coverage pays damages you cause to others in a covered loss — up to the policy’s limits. When selecting those limits, it’s important to know the value of assets you want to protect. Add up the value of everything you own: your primary and vacation homes, savings and investments, cars and recreational vehicles, and any collectibles. Ideally, choose liability limits that are high enough to protect the total value of these assets.
Recent traffic accident data from the U.S. Department of Transportation’s (DOT) National Highway Traffic Safety Administration (NHTSA) noted a small decrease in American roadside deaths in 2017 (37,133) compared with 2016 (37,461). This number has been steadily increasing since 2013 before its recent drop. The U.S. Secretary of Transportation Elaine L. Chao recognized this downward trend, but also expressed that there’s still work to be done to decrease roadside deaths significantly. Here’s what we can learn from recent accident data.
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