Emery Law Office December 2018


According to the Pew Research Center, Christmas is the most celebrated December holiday in the U.S. Yet, like the melting pot it is, the U.S. contains many cultures from across the globe, each with their own traditions. Teach your kids about some of the holiday celebrations from different cultures this season. KWANZAA Created in 1966 by black studies professor Maulana Karenga during the Black Nationalist Movement, Kwanzaa is a seven-day celebration and reflection period for African Americans. The week offers African Americans the opportunity to connect with African culture and history by celebrating the seven principles of African heritage, which include unity, self-determination, and creativity. HANUKKAH Hanukkah pays homage to a two-year Jewish rebellion against an oppressive Greek-Syrian government that took them captive in an attempt to eliminate Judaism. The tradition of the eight-day celebration and the lighting of the December is always a “year in review” month. You’ll find lists rating the year’s best movies, songs, sports moments, etc., featured in your favorite magazine or on your favorite websites. While the recaps make for a fun read, one of the most important year-end reviews you undertake this year should be of your auto insurance policy. To help people feel more comfortable with their insurance, we offer free reviews of policies. Finding the weaknesses in your coverage after an accident is not ideal, so a review could be very beneficial for you. The two areas where policies are most often lacking are uninsured motorist (UM) and underinsured motorist (UIM) coverage. These types of coverages enable you to still receive a settlement in the event of an uninsured motorist being at fault; or additional settlement funds in the event of the at-fault motorist not having enough coverage. They only kick in when the accident is not your fault. In Kentucky, UM coverage is standard on every policy, but you’d be surprised at how many people waive that coverage unknowingly. LET US REVIEW YOUR AUTO INSURANCE POLICY TEACH YOUR KIDS ABOUT WINTER HOLIDAYS

menorah candles comes from the story of a miracle that happened during the rebellion, when a one-day supply of oil burned for eight days in a temple.

DIWALI Though celebrated in late fall, Diwali is a Hindu holiday that’s known as the festival of lights. Its main purpose is to celebrate the triumph of good over evil, and the five-day festival includes the lighting of candles or lamps, feasting, and giving gifts to family and friends. Diwali also celebrates the Hindu new year and is the largest, most widely celebrated festival in India. This is not an exhaustive list by any means, but educating your children about holiday practices other than Christmas will give them a broader worldview and inspire them to gain further knowledge about cultures outside their own. Your local library is a great resource for children’s literature on these holidays, and there are also TV programs from PBS that feature episodes on these traditions. Enjoy the winter holiday season, however you decide to celebrate! FOR FREE At this point, you may be wondering if there are situations where somebody has too much insurance or a coverage they don’t need. The most common occurrence we see is when a client has collision coverage — coverage for damage to their car regardless of fault — but can’t realistically use it because of the high deductible. If you drive an older vehicle or cannot afford to pay a large deductible, you may want to consider restructuring your policy. In our reviews, we analyze every aspect of your policy. We show you what you have, suggest options for improving your coverage, and, when appropriate, can provide you with the contact information for several insurance agents. Our consultations are totally free and take about 30 minutes to complete. We ask that you schedule an appointment and bring your policy declarations page with you, which can be obtained from your insurance agent. Call us today to find out what holes may be hiding in your auto insurance policy. Disclaimer: I am not licensed to sell auto insurance, nor do I benefit in any way from providing policy suggestions. My goal is simply to review your policy and make sure that you have the best coverage for your needs.

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