KISS FUTURE CAR CRASH BILLS GOODBYE!
How good is your car insurance, really? Most people think that as long as they have liability insurance (the type of auto insurance that protects you in case you cause a car crash) they’re fully covered and ready to handle the worst. Maybe you feel that way, too. Unfortunately, liability insurance leaves a huge and dangerous coverage gap! WHAT’S THE POINT OF LIABILITY INSURANCE, THEN? Liability insurance is still a necessity. It will cover your assets so that you won’t be personally liable for a collision, potentially saving you thousands of dollars in out-of-pocket costs. But it isn’t enough. To really protect yourself and your wallet, you also need to purchase uninsured/ underinsured motorist coverage (UM/UIM). WHAT IS UNINSURED/UNDERINSURED MOTORIST COVERAGE? This type of insurance will cover you if you’re in a car crash and get seriously injured by another driver who either doesn’t have insurance or doesn’t have adequate coverage. It will also cover you if you’re struck by a vehicle while walking or riding your bike. Imagine this: Another driver causes an accident, leaving you with a broken leg or other serious injuries and more than $30,000 in medical bills. If that driver doesn’t have any insurance or enough insurance to pay for those bills plus lost wages and the pain and suffering that you incurred, you may indeed be responsible for the bills and not be compensated at all for your injuries. If you do have UM/UIM coverage, then you will be able to be compensated up to the limits of your insurance. HOW MUCH SHOULD YOU GET? Here in California you can purchase UM/UIM coverage equal to the limit of your liability coverage. The minimum the state mandates is $15,000 per person and $30,000 per accident. It is recommended that you purchase as much liability and UM/UIM coverage that you can afford. With medical bills going higher every year, the minimum is not sufficient. It is suggested that you obtain at least $100,000 of coverage if not more. If you own a home or have significant assets, getting higher limits with an umbrella policy is prudent. To find out how good your car insurance really is, start by reviewing your auto insurance policy. Make sure your limits of liability are enough to cover your assets and that your UM/UIM policy limit is high enough to cover any significant injury. If you’re not sure whether you’re fully covered, reach out to our office for advice.
SUMMER VEGETABLE GREEK SALAD
Inspired by CookieAndKate.com
INGREDIENTS For the vinaigrette: •
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1 small cucumber, seeded and chopped 1 cup yellow bell pepper, chopped 1/4 cup red onion, finely chopped 1/4 cup fresh parsley, chopped 1/4 cup Kalamata olives, pitted and halved 1/2 cup feta cheese, crumbled Optional protein choices: 1 cup cooked chickpeas or 6 oz Genoa salami
2 tbsp red wine vinegar 1 tsp Dijon mustard 1 garlic clove, minced 1 tsp dried oregano
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1/2 tsp honey
1/2 tsp salt
1/4 cup extra-virgin olive oil
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For the salad: •
1 head romaine lettuce, chopped 1 cup grape tomatoes, halved
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DIRECTIONS
1. In a medium bowl, whisk together vinegar, mustard, garlic, oregano, honey, and salt. Slowly drizzle in the olive oil, whisking until well combined. 2. In a large serving bowl, toss together the romaine lettuce, tomatoes, cucumber, bell pepper, red onion, parsley, olives, and feta (as well as the chickpeas or salami, if desired). 3. If you plan to serve all the salad at once, drizzle the dressing over the salad to lightly coat, then toss to combine. Otherwise, store the vinaigrette and salad separately, then dress each portion before serving.
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The Law Offices of Elliott Kanter APC | (619) 231-1883
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