IS YOUR AUTO POLICY ENOUGH? WHEN IT’S TIME TO TAKE A CLOSER LOOK
Does $30,000 sound like a lot of money? If you’re talking about $30,000 to cover the year’s rent or winning $30,000 to spend on a big vacation, then it is a lot of money. But when you have only $30,000 to cover extensive medical bills for yourself and others, plus the cost of a new car, that amount is spent really, really fast. We see this happen all the time, and we’ve seen enough cases to know that the amount of auto insurance required by law isn’t always enough to cover you in serious auto collisions. To avoid ending up in this situation, it’s a good idea to review your insurance policy and see if any of the additional coverage options are right for you. Often, they add a small cost to your policy, but in the long term, you’ll be thankful for the additional coverage.
resulting from a car accident regardless of who is at fault. In Maryland, you may waive PIP protection to pay less for your auto insurance. However, PIP insurance is not very expensive, so waiving this insurance to save only a few dollars is NOT recommended. You should have this important coverage for the few extra dollars it costs on an annual basis. UNINSURED/UNDERINSURED MOTORIST (UM/UIM) COVERAGE With UM/UIM coverage, you can bill your own insurance once the other driver’s insurance has been exceeded. That means you have peace of mind knowing an accident won’t bankrupt you, even if the other driver doesn’t have enough insurance themselves. Both of these coverage options are available to you even though your insurance agent may not have mentioned them. Talk to your agent and tell them that you would like to confirm you have PIP and add additional UM/UIM or enhanced underinsured coverage. If you have additional questions about your auto policy, don’t hesitate to reach out! We are happy to review your auto policy with you and provide guidance. The world of auto insurance is confusing, so don’t go it alone!
PERSONAL INJURY PROTECTION Personal injury protection, often referred to as PIP, can pay some of your medical bills and 85% of lost wages for injuries
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Ingredients • 4 oz (about 12) small chili peppers • 2 cloves garlic, slightly crushed • 10 black peppercorns Directions 1. Remove pepper stems and slice peppers into halves or quarters, small enough to fit into the jar or container. 2. Stuff peppers into an 8-oz bottle or jar and add cloves, peppercorns, cilantro stems, and lime juice. Pique: Puerto Rican Hot Sauce Enjoy authentic Puerto Rican hot sauce with this easy-to-make recipe! For the peppers, I like to use a mix of 7-pots, aji pineapples, and muranga reds.
• 4 cilantro stems • Lime juice • 1/2 cup white vinegar
3. Fill rest of container with vinegar, leaving some head space, and shake vigorously. 4. Let sit anywhere from 2 days to 2 weeks to allow the heat and flavor to develop. Refill as needed with more vinegar and peppers.
Inspired by ChiliPepperMadness.com
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