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FUN (AND SAFETY) IN THE SUN 3 Simple Steps to Protect Your Family This Summer
When looking into liability coverage, you may also want to add an umbrella policy to protect any personal assets you have.
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.
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 949-565-2993 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.
OUR CLIENTS SAY IT BEST “From the very beginning, Case was extremely thorough and mindful of the fact that, as someone who had never been in trouble with the law before, I would need the entire process explained. Case was compassionate to my situation to a degree not normally seen in any capacity, which very much helped put me at ease during the legal proceedings. After almost a year-long process and many difficult days in court, we went to trial. I know that I can’t accurately describe how impressive it was to witness Case in trial. What I can say is that he had a mastery of the facts, down the smallest detail, and that required a level of commitment not normally seen in any profession. The jury was out for less than two hours before we returned to hear the life-changing verdict. Case dedicated himself to understanding every facet of the case; because of that, my future remains intact. I owe my life to Case Barnett.” –Edward S.
Reminder About Our Firm’s Communication Policy: Our promise to you is that we don’t take inbound calls or emails while we are working on your case. Case Barnett takes no inbound unscheduled phone calls whatsoever. It makes him much more productive and helps get your case resolved faster. You can always call the office at 949-861-2990 and schedule an in-person or phone appointment, usually within 24–48 hours. This is a lot better than the endless game of “phone tag” played by most businesses today. Remember, too, that email is “quick,” but is checked no more than twice a day. Replies are then scheduled into the calendar. So, if it’s really important, don’t email — call the office instead.
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