Emery Law Office July 2018



from the sun gives your body the time it needs to recuperate and helps prevent sunburn and heatstroke.

To many people, summer is all about heading outside to enjoy the weather. But getting too much sun can be dangerous. To have a fun-filled summer with your family this year, remember that it’s essential to protect yourself from harmful UV rays.



Many people think that a tan is better than a sunburn, but the result of tanning is still sun damage. When your skin tone changes due to the sun, regardless of whether it tans or turns red, it’s a result of the epidermis reacting to damage caused by UV rays. Both are symptoms of harmed skin. While vitamin D is important, the sun does not contribute to its creation as much as you might think. Doris Day, a New York City dermatologist, explains that if your skin were to constantly produce vitamin D from being in the sun, it would reach toxic levels. Vitamin D is the only vitamin that your body can produce on its own, through a common form of cholesterol or 7-dehydrocholesterol. Spending time in the sun does help vitamin D form, but you need far less exposure than you think.

Covering your skin is one of the best ways to avoid skin damage. Wide- brimmed hats, long-sleeved shirts, and long pants or skirts can protect your skin from direct exposure to UV rays. While this tactic protects you from the sun, it offers poor defense against the heat. So, if you opt for cooler attire, it’s important to cover all exposed skin with a copious amount of sunscreen. Be sure to reapply every two hours for maximum skin protection.


If you’re planning to spend a significant amount of time in the sun, consider your environment. Will there be plenty of shade? Will you have to bring your own? What’s the best way to step out of the sun for a few minutes? Wearing sunscreen and protective clothing are great ways to shield yourself from UV rays, but it’s important to avoid being in direct sunlight for long periods. Taking a break

Knowing how to protect yourself from UV rays is the first step to having a safe, fun-filled summer!



As you may know, insurance policies are based on the laws of a given state. Everything, from minimum coverage requirements to what’s included in that coverage, is based on state laws. Most road trips, though, include visiting multiple states. Because you’ll be crossing state lines, you’ll want to make sure your coverage is up to snuff no matter where you’ll be traveling. Most insurance providers offer what’s known as a “broadening clause” for drivers who will be traveling out of state. This clause allows you to temporarily expand your coverage to meet the requirements of every state you’ll be traveling to. Expanding your coverage is extremely valuable in the event of an accident outside your state. For example, minimum bodily injury liability per person is $25,000 in Kentucky. In Maryland, that number is $30,000. If you don’t expand your coverage and do get in an accident, that remaining $5,000 will come out of your pocket. Before you head off on your road trip, make sure you give your insurance representative a call. If you aren’t comfortable dealing with your representative, the team at Emery Law Office can help you review your policy to make sure you can enjoy your trip without worry. We can’t help you remember that favorite toy, though.

Summer is road trip season. If you’re heading off for a family adventure this year, you know that it’s important to be prepared. Realizing that one of your children doesn’t have their favorite toy an hour into your trip can lead to tears and frustration. To avoid having your trip turn south in a hurry, it’s a good idea to create a pre-trip checklist. Think about what you’d put on that list. I’m guessing it would include things like “have plenty of water,” “make sure the GPS is working,” and “make sure the kids pack their toothbrushes.” Perhaps the hyper-diligent among you would have included an auto tune-up on your list. However, there’s one essential step that you may have overlooked. No, I’m not talking about having plenty of car chargers, though that’s probably a good idea. I’m referring to your insurance policy.

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