Dear Clients & Friends,
You drive your car almost everyday. If you are in an accident and the other driver is at fault, you expect his insurance company to pay for your injuries, medical bills, lost time from work and repairs. But what happens when he carries a minimum amount of insurance which is not enough to cover your personal losses? What if he has no insurance at all? What if it is a hit and run? How much will you have to pay?
This month, I want you to take out your car insurance policy and check your liability protection and your uninsured/underinsured (UM/UIM) motorists coverage. The liability amount protects you when you are at fault: this is how much you are insured for the personal injury and damage you cause. The UM/UIM protects you and your family from the at fault driver: if he only has the minimum $15k policy (which many people do) and you have a $100k in coverage, you can reach into your own policy for an additional $85k for coverage. Now, ask yourself, would that be enough in a serious accident case? Are you really protected?
You have the ability to increase your insurance protection to an amount that fits your needs and the needs of your loved ones. Know your rights and be smart about car insurance. If you have any questions about your policy, call or e-mail me. Finally, if you are ever involved in an auto or motorcycle accident, make your first call to the Law Office of John C.M. Angelos for a private consultation.
FAST FACT: Women driving cars are 47% more likely than male drivers to be seriously injured in a crash when both groups are wearing seat belts. This is primarily due to a woman’s musculature and car safety design. Women drivers can ensure that their safety systems perform optimally by maintaining a good belt fit and correct seating posture.
DID YOU KNOW: In 2008, for the first time in 30 years, more people died of poisoning than in car crashes (36,500). Poisoning is now the leading cause of injury death in the United States.
Quote: Yesterday is gone, but you will have a better tomorrow by what you do today. Reach across the aisle to make peace with those who you are in conflict with. It is this kindness and respect that will sustain us through our own hard times. Anonymous
Be well. John CM