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don’t pursue the vehicle to get this information. Attempting to confront the driver yourself puts you at risk and could land you in legal trouble. If you do run afoul of a drunk driver, we can help. Experienced auto accident attorneys like Tom and Chelsea Dickerson can help you get the compensation you need to regain your independence after a crash.
If you host a Fourth of July party this year, there are several steps you can take to keep your guests safe after the fireworks fade. For starters, make sure there are plenty of nonalcoholic options available; that way people don’t drink beer just to stay refreshed. Collecting car keys at the door and cutting off anyone who appears to have had too much are also very useful strategies. As a last resort, set aside a couch or guest room for someone who finds themselves inebriated and stranded. Unfortunately, you can’t always protect yourself from other people’s mistakes. Driving defensively and keeping a sharp eye out for erratic drivers is your best defense when behind the wheel on the Fourth. If you do spot a vehicle you believe is being driven by an intoxicated person, pull over and call the police. Ideally, you should give them the make, model, color, and license plate number of the car, but Buying homeowners insurance can do wonders for your peace of mind. Many of the “what ifs” we think about befalling our home are taken care of with homeowners insurance, right? Unfortunately, according to a survey by Consumer Reports, 3 in 5 Americans are underinsured, many by a significant margin. The next time you examine your policy, here are some things to keep in mind. COVER WHAT’S OVERLOOKED Many of the most visible elements of a home are covered by base-level personal property coverage. However, it’s worth making sure you have coverage for the important, less noticeable aspects of your home. Things like sump pumps and pilot lights aren’t parts of our house we think about every day, but when they break down, the results can be disastrous. Our sump pump failed about three years ago and we were grateful to have opted into an additional sump pump coverage. Without adequate coverage, getting a timely repair done is expensive. DO THE MATH Another key element that can be missed by first- time homeowners is factoring in the right amount of dwelling coverage into their plan. Dwelling coverage is essentially how much it would cost to OTHER DRIVERS
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replace your home if it were utterly ruined by a disaster. There are plenty of online calculators that can help you estimate dwelling coverage, but there are several factors that these programs don’t account for. These include new building codes, remodels and additions to your home, and the ever- rising cost of construction. Even if your home is rebuilt brick for brick, factors like these can make the reconstruction cost more than initial estimates. PROTECT YOURSELF The last element of homeowners insurance people often underestimate is liability coverage. We like to think that no one will ever get hurt in our home, despite steep staircases, trampoline sets, and jumpy pets. However, if a guest does get seriously injured on your property, you could be on the hook for some serious medical costs. Thankfully, liability coverage is relatively cheap for the insurance market, so it’s not too hard to add more. The last thing you want as a homeowner is a costly surprise when you thought you were covered. The summer is a great time to reexamine your policy to make sure you’re ready for the rest of the year.
directions • 2 lbs. ground chuck beef, 20% lean • 8 slices melting cheese (like American, Swiss, Muenster, or cheddar) • 16 small potato rolls, toasted • Salt and pepper, to taste • Your favorite burger accompaniments 1. Divide beef into 16 evenly sized balls. 2. Rip cheese into roughly equal pieces, creating 16 equal portions. 3. Using your index finger, create a small indentation in each ball. 4. Fill indention with cheese and pinch meat around to seal. Then gently form balls into 3/4-inch-thick patties. Season patties. 5. Meanwhile, heat a cast-iron skillet to medium-high. 6. Lightly coat skillet with oil and cook patties in batches. Brown one side undisturbed, about 3 minutes. Carefully flip and cook until desired doneness, about 3 minutes for medium. 7. Serve on toasted potato rolls with your favorite accompaniments.
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