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As we enjoy these final weeks of summer, it’s important to make time for family barbecues, lazy days on the beach, and last-minute road trips before school starts again. If you’re planning on hitting the road this summer, guarantee your family is safe. Here are three ways to maximize your existing auto insurance policy to ensure you’re really protected. 1. Make sure you have uninsured/underinsured motorist coverage. Uninsured and underinsured motorist coverages are some of the least understood but most important parts of a car insurance policy. This coverage protects you if you are in an accident and the other driver has less insurance than you do or no insurance at all. We’ve seen many cases where an injured person was left with a mountain of medical bills because the one who caused their accident didn’t have enough insurance. Uninsured and underinsured motorist coverages protect you and your family members against this risk. 2. Understand your current liability coverage . This is the coverage that protects you and your family if you hurt someone else as a result of your carelessness. If a claim or lawsuit is made against you, liability coverage helps pay the claim and fund your insurance defense attorney. Typically, liability protection is phrased like 25/50, 50/100, or 100/300. The first number is the maximum amount your insurance company will pay each person in an accident, and the second number is the maximum amount your insurance will pay total for the people injured. For example, if you have 100/300 liability coverage and you cause an accident, your policy will pay up to $100,000 per person injured with a maximum claim limit of $300,000 per accident. FUN (AND SAFETY) IN THE SUN 3 Simple Steps to Protect Your Family This Summer 3. Make sure your existing auto insurance includes medical payments coverage. Medical payments coverage, or "Medpay," helps pay medical bills, including co-pays and deductibles, after an accident. While the person who caused the accident will be responsible for paying your medical bills, getting that payment could take years. Medpay ensures doctors are paid promptly, preventing your credit from plummeting and keeping bills from going to collections while you’re recovering from an accident. Having Medpay, even if you have insurance, can alleviate a great deal of stress after an accident. Determining how much insurance you need is a personal decision, but we at Case Barnett Law recommend getting as much Medpay, liability, and uninsured/underinsured motorist coverage you can afford. In most cases, increasing these coverages is relatively inexpensive and can make a huge difference after an accident. Do I have enough insurance? Call our office at 949-565-4886 if you would like us to answer any questions you may have on your current policy. We can evaluate your policy to determine what type of liability insurance you have and if we think it is adequate, as well as check that you have the proper uninsured/underinsured coverage and medical payments coverage. Act now to make sure your family is safe on the road all year long. When looking into liability coverage, you may also want to add an umbrella policy to protect any personal assets you have.
Roasted Corn Salsa
Inspired by Bon Appétit magazine
Ingredients
1. Heat a cast-iron skillet to high. Char corn, turning occasionally, for 10–14 minutes until kernels begin to blacken in spots. 2. Using a sharp knife, remove corn kernels from cobs and transfer to a large mixing bowl. 3. With a wooden spoon or potato masher, gently crush corn to release starch and juices. 4. Add jalapeño, onion, tomato, and cilantro. Mix to combine. 5. Top with lime juice and season with salt. 6. Serve alongside your favorite tortilla chips. • 2 medium ears of corn, shucked • 1 jalapeño or Fresno chile, seeded and thinly sliced • 1/2 red onion, diced • 1 large tomato, cored, seeded, and finely chopped • 1/4 bunch cilantro leaves, sliced • Juice of 1 lime • Kosher salt, to taste Directions
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