Take a look at what you auto insurance coverages actually do to protect you and your family. See what is at stake should you be in an at fault accident. Call me to discuss any further questions. 479-444-8189

1. start

2. What Do My Auto Limits 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%

44. What Can You Do Without ?

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