Hits Happen – Are you Covered?
We all know that accidents happen. Most often it is someone else’s negligence. Most, not all, people obey the mandatory insurance provisions of the state statutes. Some folks don’t purchase any insurance. More and more people get around those mandatory insurance statutes by purchasing insurance on a monthly payment plan, obtain their drivers licenses and then don’t pay for the balance of the insured term. Thus, there are many uninsured/underinsured drivers out there. You might say “so what,” I have insurance. Do you… really? Are you covered?
It is often not known that your Uninsured/Underinsured Motorist Coverage only kicks into the extent it exceeds the coverage of the negligent party. For example, if the negligent driver purchased a $25,000 to $50,000 insurance policy and you also have $25,000 to $50,000 policy, you will collect nothing from your insurance carrier. You get nothing because your carrier receives a CREDIT for what the negligent driver’s policy paid. If there is no insurance on the negligent driver, you would collect your policy limit in a serious accident case. Often that amount is insufficient to pay for medical, lost earnings, pain and suffering and permanent injury.
Have you looked at a hospital bill lately? You can spend $15,000.00 or more in just the ER room in a serious accident. Imagine if you are admitted to the hospital!
I am not selling insurance. I am promoting adequate coverage in the current day where medical billings have gone through the roof and more and more drivers don’t care to have insurance.
Be advised accordingly and ask yourself, “am I covered?”
If you have any questions, give me a call at 1-877-317-8080.
ADVERTISE WITH US
“Don’t separate yourself from the needy. Always try to be as close as you can and try to help people because that’s going to make your life more valuable.” - Yusuf / Cat Stevens It’s great to see some normalcy around town, it appears that we have now entered...
These last few months have been a roller coaster of emotions. We plunged into a pandemic the likes of which have not been seen for a century and endured weeks upon weeks of restrictions and uncertainty. Then just as the restrictions began to lift, the murder of...
It seems like many things in our lives have been flipped upside down in the past few months. However, work continues, as planned, on the two major projects within our Santa Clarita 2020 Strategic Plan. Throughout the Safer at Home order, construction projects...
ABOUT THE MAGAZINE
Santa Clarita Magazine has set a high standard for excellence in advertising for over 29 years. A family owned and operated business, Santa Clarita Magazine has grown with the Santa Clarita Valley since 1990 and become the #1 place to advertise locally.