We like to think we’re protected against the damage reckless drivers do, but New Yorkers are permitted to get on the road with as little as $25,000 in insurance coverage. Meanwhile, HealthCare.gov reports that a three-day hospital stay costs an average of $30,000. The insurance many drivers hold is grossly inadequate to compensate someone with significant injuries, and it can leave victims in a pinch. Fortunately, you can buy additional insurance to protect yourself and your family from these situations. Friedman & Simon recently resolved a case for $500,000, and the outcome was only possible because our client took steps to shield herself from the worst consequences. A driver following the 57-year-old victim too closely rear-ended her but only had $25,000 in insurance coverage. It was not nearly enough to pay for her multiple injuries, including one that required a cervical spine fusion. Fortunately, our client had purchased $500,000 in uninsured/underinsured motorist (UI/UIM) coverage. UI/UIM protects motorists when an at-fault driver does not have sufficient insurance to pay for the injuries. It helps many people in cases where they’re the victim of a hit-and-run driver, a driver who is driving illegally without insurance, or one who has too little coverage to pay for the full damages. Our team successfully had our client’s UI/UIM policy tender her the total $500,000 worth of coverage. If she did not have the foresight to purchase it, she would have received only $25,000 and been left with exorbitant medical bills in her name. Ultimately, it may have been the most valuable purchase she ever made. If you don’t have uninsured/underinsured motorist coverage, call your broker today and add it to your auto insurance policy. Most experts recommend you buy at least $100,000 worth of protection, but the more you can afford, the better off you’ll be. This insurance is relatively inexpensive compared with other insurance costs and can provide much peace of mind. After all, you already spend money on insurance to protect people you’ve never met. Why not also protect yourself? THE SUPPLEMENTAL INSURANCE EVERY DRIVER SHOULD HAVE Protect Yourself Against Reckless Motorists
Summer Isn’t Over Yet!
As much as many of us wish we could have an endless summer, all good things must come to an end. But why let the season close with a whimper when you can go out with a bang? Strive for a memorable last few days of the season with one of these family-friendly ideas. TAKE A FAMILY ROAD TRIP. What says “summer” more than piling in the car and driving somewhere? You don’t necessarily have to go far. A new town a few hours away can still be an adventure. Check out a local state park or nearby museum you’ve always meant to visit and let your children enjoy the novelty of sleeping in a hotel room or camper. Even a weekend away will feel like an occasion and stick out in everyone’s memories. SPEND A DAY ON THE WATER. Enjoying the water is one of the summer’s greatest pleasures, so make the most of it one last time. Depending on where you live, you might incorporate this idea into your road trip. Head to the nearest beach, lake, or river and pack in as much summer fun as possible with a favorite summer activity or something new! You could help your kids build a sandcastle, rent a kayak or paddleboat, or try water skiing. You might even surf or snorkel. HAVE A LATE NIGHT. Bedtime routines are about to make a return for school kids, much to their possible dismay, but you can indulge them with one last hurrah. Plan a special late night the family can enjoy together. You might go to a drive- in theater or host a movie marathon at home with plenty of popcorn. Camping on your lawn will also allow staying up late together doing something exciting. No tent? No problem — build a pillow fort in the living room instead! Summer only comes once a year, so don’t let its final days go to waste. A special celebration to mark the season’s end will leave you with lasting memories and even more reasons to look forward to next year. 3 Memorable Ways to Close the Season
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