DON’T GET STUCK PAYING SOMEONE ELSE’S BILLS Uninsured Motorist Coverage Explained
Driving drunk, speeding, and getting into wrecks all drive insurance premiums up for a reason. Insurance companies understand the same people with driving records who show past risky behavior on the road are the same people who are likely to do it again. They don’t want anything to do with these drivers, so they charge higher rates to insure them, which creates another, bigger, problem: uninsured and underinsured drivers. In South Carolina, 20% of drivers have no insurance at all. If you didn’t cause a wreck, you shouldn’t have to pay for it! Uninsured motorist coverage covers medical expenses you or your passengers suffer. Depending on the policy, you may also be reimbursed for lost wages, pain and suffering, and other damages. This is insurance that you pay for to protect yourself from drivers who have no insurance at all. Even when people are following the law, though, the coverage of their insurance policies is often not very meaningful. In South Carolina, drivers are only required to carry $25,000 of liability insurance per person. That means if you got into a wreck and needed to go to the hospital, regardless of your damages, you’d have to pay for everything beyond the $25,000, unless you have underinsured coverage. This is insurance coverage that you pay for to protect yourself when the at-fault driver does not have enough insurance coverage. In a hospital, it doesn’t take much to exceed the $25,000 of liability insurance coverage South Carolina requires drivers to carry. We recommend purchasing the maximum amount of uninsured and
underinsured motorist insurance you can reasonably afford. The last thing you want to be thinking about in the event of a car wreck is how you’re going to pay for it, but statistics suggest that’s exactly what you’ll be doing without these types of insurance coverage. Don’t get stuck paying bills you don’t deserve to pay!
Pagan’s Puzzle
In The Kitchen With Dana
Inspired by The Minimalist Baker
DATE TRUFFLES
Valentine’s Day is all about love … and chocolate. Enjoy these chocolate peanut butter date truffles with your date this Valentine’s Day.
INGREDIENTS
• 1 lb medjool dates, pitted (about 1 1/2 cups) • 1/2 tsp sea salt • Warm water
• 1/4 cup peanut butter • 1 cup bittersweet or dark chocolate, chopped • 1 tbsp coconut oil, melted
DIRECTIONS
1. Using a food processor, blend dates and sea salt until dough can be formed into a ball. Slowly add enough warm water to mixture to thicken dough. 2. Roll dough into tablespoon-sized balls. Freeze for 20–30 minutes. 3. In microwave, warm 1/4 cup peanut butter for 30 seconds, then drizzle peanut butter on top of balls. Freeze balls for another 20 minutes. 4. Meanwhile, in microwave, warm chocolate with coconut oil until melted. Stir well. 5. Coat balls in chocolate and place on a parchment- lined baking sheet. 6. Top with additional salt and freeze for 30 minutes. Serve at room temperature.
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