What "The Vow" can teach you about insurance

The Vow is one of my favorite movies.  However, the beginning of it is pretty devastating.

https://www.youtube.com/watch?v=PX7Xby06B3A

Paige and Leo were rear ended by a salt truck, Paige was thrown through the windshield and Leo was buckled in.  Leo sustained minor injuries while Paige suffered amnesia.  She is in the hospital for weeks and needs to see specialists, etc.

So, what can we learn from this?  The insurance company that insured the salt truck is responsible for paying for the vehicle repair/replacement, hospital stay and follow up appointments for Leo and Paige.  The insurance company will pay for these payments until the liability limits on the salt truck are reached.

Most people do not realize how all these expenses add up so quick.  It is important to talk to your insurance agent regarding your liability limits on your auto policy (whether it is a personal auto or commercial auto) to ensure you have the right amount of coverage.