PSA FOR MOTORCYCLISTS:
Here’s a scenario: • You get hit by a driver with only the legal minimum of $20,000 in coverage. • Your hospital bill alone is $50,000 — not including lost wages or rehab. • Without UIM coverage, you or your medical insurance gets stuck paying the $30,000 difference. • Your legal case is maxed out at $20,000, a pittance of what it is worth. That’s a financial disaster for a lot of riders. THE SOLUTION? MAX OUT YOUR UM/ UIM AND ADD MEDPAY To protect yourself, you need to increase your UM/UIM limits — ideally to at least $100,000/$300,000. It’s a small price to pay for peace of mind. The additional premium you pay is minimal. Since PIP doesn’t cover you, MedPay coverage is another must-have. It may kick in immediately for medical expenses, regardless of who’s at fault. DON’T WAIT UNTIL IT’S TOO LATE The best time to up your coverage is before you need it. One crash could change everything — your health, job, and financial future. So, before you gear up for the season, call your insurance agent and get covered. Or call me and we can go over your policy over the phone. The only thing worse than going down on your bike is realizing you don’t have insurance to get back up.
Don’t Ride Into Spring Without the Right Coverage
The sun’s coming out, the roads are clearing up, and you’re itching to fire up the bike. But before you hit the pavement, there’s one thing you need to take care of — your insurance. MASSACHUSETTS RIDERS ARE AT A DISADVANTAGE Unlike car drivers, Massachusetts motorcyclists do not get Personal Injury Protection (PIP) coverage. That means if you crash, you’re on your own for medical bills unless you have the right insurance. And let’s be real: If you go down, chances are your injuries won’t be minor. A broken leg, a shattered collarbone, or worse … These are not cheap injuries to treat. WHY YOU NEED MORE THAN THE MINIMUM COVERAGE The state requires a minimum of $20,000 in uninsured motorist (UM) coverage, but that’s pennies compared to a hospital stay, lost wages, and long-term recovery. Underinsured motorist (UIM) coverage, which helps when the at-fault driver’s insurance isn’t enough, is optional , but skipping it is a gamble you don’t want to take.
REVIEW OF THE MONTH
“The Spada group helped me after I was involved in a rear-end accident, causing injuries to my neck and back. This group worked tirelessly with my insurance company and medical professionals to help me navigate all the paperwork and appointments necessary for my treatments. They treated me like family, and I highly recommend them to anyone in need of legal services. Thank you for all of your help over the past few years. You are all wonderful people.” –Amy McCormick
2 • SPADALAWGROUP.COM
Made with FlippingBook Ebook Creator