08/17/2026
🌟🌟MYTH MONDAY🌟🌟
If my car is old, I don’t need high liability limits.
It’s a common belief: if your car is old and not worth much, there’s no need to carry high insurance limits. After all, why spend more to protect the vehicle that’s on its last leg, right? While it’s true that the age of your vehicle can influence your decisions about collision and comprehensive coverage-types of insurance to help repair or replace your car-that logic doesn’t carry over to liability insurance.
 Liability coverage protects you financially if you’re at fault in an accident and caused any injury or damage to someone else. And here’s the key point: no matter how old your car is the potential cost of an accident can be devastating. Whether you’re driving a brand new SUV or a 15-year-old sedan, your responsibility-and your exposure to risk-stays the same. Skimping on liability limits just because your car is older could leave you dangerously under protected at the worst possible moment.
Imagine this scenario: if you’re involved in a car accident that seriously injured someone, and they incurred $150,000 in medical bills, your insurance may not fully cover the cost. With optional bodily injury liability limits of $100,000 per person/$300,000 per accident, your policy would only pay up to 100,000 for that individual you could be be responsible for the remaining $50,000 out-of-pocket-a financial hit that could’ve been avoided by choosing higher coverage limits.
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