Protection From the Uninsured Motorist Car insurance can give drivers a false sense of security. Here’s the truth: “Full Coverage” may not mean you are fully covered for your medical bills, car rental, or other damages. When you’re hit by a driver with little to no insurance — regardless of the severity of your injuries — you won’t be able to recover much in damages from the negligent driver. However, UM/UIM coverage can change this. WHAT IS UM/UIM COVERAGE?
bodily harm. While this may sound like a lot, when you factor in the costs of emergency medical treatment, therapy, medications, lost wages, and pain and suffering, this minimum doesn’t come close to covering the cost of serious car accidents. HOW MUCH UM/UIM LIABILITY COVERAGE SHOULD YOU HAVE? You should always purchase UM/UIM coverage. This protects you and occupants of your vehicle when another person causes an accident resulting in injuries or damages. UM/UIM coverage is relatively inexpensive. You cannot purchase more UM/UIM coverage than you have liability coverage. Purchase as much liability and UIM coverage as you can afford. Liability coverage is available to an injured party in the event you are at fault in an accident. To protect yourself from losing all of your assets, you should have liability coverage equal to your net worth.
Uninsured motorist (UM) and underinsured motorist (UIM) coverage protects you from being left to pay for another driver’s mistake. As the name suggests, this optional addition to your insurance policy protects you when the person responsible for the accident doesn’t have the coverage for the harm they’ve caused you. While you are not required by law to have UM/UIM coverage, it’s very risky to go without it. DO YOU NEED UM/UIM COVERAGE? The Insurance Research Council (IRC) found that about 1 in 8 drivers in the U.S. does not have car insurance — and California far exceeds this national average. Over 15% of drivers in this state do not have any coverage, making driving without UM coverage a significant risk. Even more numerous are the many underinsured drivers in California who only have the minimum $15,000 in coverage required by law for
WORDSEARCH GINGERBREADDOGS
‘Tis the season for holiday cheer! Share some cheer with your four- legged friends with these special holiday dog treats.
INGREDIENTS
1 cup molasses
6 cups all-purpose flour
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4 tbsp honey
2 tsp baking soda
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1 cup water
1 tsp cinnamon
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1/2 cup vegetable oil
1 tsp dried powder ginger
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DIRECTIONS
1. Heat oven to 350 F. 2. In a medium bowl, combine molasses, honey, water, and oil, and set aside. In a large bowl, mix together flour, baking soda, cinnamon, and ginger. Slowly add dry ingredients to wet ingredients, mixing well until dough forms. 3. Separate dough into four equal balls. Wrap dough balls in plastic wrap and refrigerate for 3–5 hours. 4. On a lightly floured surface, roll out chilled dough to 1/4-inch thick. Use dog-shaped cookie cutters to cut out treats. 5. Bake for 20–25 minutes on baking sheet until cookies start to brown. Carefully remove treats from the oven and let them cool completely before serving to your dog.
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