Automobile Insurance The Patels have automobile liability and bodily injury coverage of $100,000/$300,000/$100,000. They have both comprehensive coverage (other than collision) and collision coverage. The deductibles are $500 (comprehensive) and $1,000 (collision). The annual premium is $2,300. 

Given the information you have collected on John and Asha Patel's insurance coverages and their risks, what are the three most important recommendations you have for them?