ARE THERE HOLES HIDING IN YOUR INSURANCE POLICY?
When it comes to auto insurance, California law is pretty cut and dried. If you have a vehicle and drive it, you are legally obligated to have insurance. Despite this mandate, it’s estimated that as much as 20 percent of California drivers are uninsured. Another 20 percent have the bare minimum in coverage. You may think that these drivers are only hurting themselves by hitting the road without insurance, but you’d be mistaken. If you’re injured or your car is damaged and an uninsured driver is at fault, you’re going to have a hard time obtaining compensation from them. Luckily, there’s a type of coverage designed for exactly these kinds of cases. It’s called uninsured motorist (UM) coverage, and everyone should consider adding it to their policy. In California, insurance providers must offer UM, as well as underinsured motorist (UIM) coverage, whenever somebody enrolls in a policy. However, drivers don’t have to accept the offer and can waive these coverages. In effect, that means many drivers don’t know whether or not they have these beneficial options in their policy. The best time to find out whether or not you have them is BEFORE you are in an accident. The minimum liability requirements for insurance policies in California are $15,000 in injury coverage per person, $30,000 in injury coverage per accident, and $5,000 in property damage coverage. It’s very easy to exceed these numbers in a serious accident, so it’s a great idea to have UIM coverage in your policy. In addition to UM and UIM, providers also offer uninsured motorist bodily injury (UMBI) and uninsured motorist property damage (UMPD) coverages. These are supplements to UM that can further protect you from uninsured drivers. Whether or not you have these types of coverage, the best way to make sure you receive the compensation you deserve after an accident is to work with an experienced attorney. If you have questions about your policy, give us a call today. We’d be happy to take a look.
CITRUS AND AVOCADO SALAD Inspired by Bon Appetit
Winter is the height of citrus season, so it’s a perfect time to experiment with oranges and lemons. Roasting the fruits concentrates their flavor and makes the skins edible, creating a blast of flavor for this winter salad.
INGREDIENTS
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1 blood, cara cara, or navel orange, sliced 1/8-inch thick and deseeded 1 Meyer or regular lemon, sliced 1/8- inch thick and deseeded 4 tablespoons olive oil, divided 1/4 small red onion, thinly sliced
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2 tablespoons fresh lemon juice
1 bunch arugula
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1/2 cup fresh mint leaves 1 avocado, cut into wedges Salt and pepper, to taste
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DIRECTIONS
1. Heat oven to 425 F. 2. In a rimmed baking sheet, toss citrus slices with 1 tablespoon oil and season with salt and pepper. Roast citrus until lightly charred and caramelized, about 10–15 minutes. Let cool. 3. Meanwhile, in a large mixing bowl, combine onion and lemon juice. Season with salt and let sit for 5 minutes. 4. Add citrus, arugula, and mint to onion mixture. Drizzle with remaining oil, season with salt and pepper to taste, and toss thoroughly. 5. Add avocado, combing very gently to not crush avocado.
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