Protect Yourself Against Uninsured Drivers
KNOW T HE POL I C I E S T HA T AR E MEAN T TO HE L P YOU
According to the Insurance Information Institute, 1 in every 8 drivers is uninsured. Whether they can’t afford insurance or simply don’t think they need it, this situation still creates anxiety on the road for drivers who do have insurance. To protect yourself from uninsured drivers, strongly consider getting uninsured or underinsured motorist coverage. WHAT IS IT? In short, uninsured or underinsured motorist coverage ensures that you will receive compensation as the result of an accident caused by a driver who lacks adequate liability insurance. If you don’t have uninsured or underinsured motorist coverage, you may be faced with overwhelming medical bills and other expenses that you have to cover yourself. Having one of these types of policies protects you and any of your passengers who may have been injured in the auto accident.
driver has no liability insurance and is the cause of an accident. By contrast, underinsured motorist (UIM) coverage takes effect when an at-fault driver has only minimal or inadequate liability insurance. DO I NEED TO HAVE IT? With the number of uninsured drivers increasing over the years, getting either policy is a smart choice. The Insurance Information Institute states that between 2010 and 2015, the number of uninsured drivers increased from 12.3 to 13 percent, and
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that number continues to rise. In some states, drivers are required to have UM or UIM coverage, but in others, such as Texas, it's an optional choice. Typically, either policy increases your annual auto insurance premium by about 5 percent. COVERAGE LIMITS Similar to other auto insurance, you can choose how much coverage you want — limits range from $5,000 to $1 million or higher. However, the amount you receive often doesn’t extend past the amount you’re receiving in your standard liability coverage. For example, if your bodily injury limit is $100,000, your UM coverage should match that amount. MONTSERRAT O S WA L D
WHAT’S THE DIFFERENCE? Uninsured motorist (UM) coverage will protect you when a
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and makes things happen, in ways they wouldn’t otherwise.
Alison also helps me unplug. We try to take time off every once in a while. When your job takes up the majority of your life — or is your life, as it is for many people — it’s important to unplug and look after your health, both mentally and physically. Even when you are passionate about what you do, the stress will eventually get to you. One of my personal strategies to combat stress and find focus is to exercise. I try to work out every morning, five days a week. This makes a big difference for me, and in many ways, brings balance to my day. When I have that balance, I can get back to what I really love: being an entrepreneur and working hard for the folks who call us when they need a little extra peace of mind or a voice to fight for them when they feel silenced.
HOMEMADE MARSHMALLOWS
As we enter the height of s’mores season, consider upgrading those store-bought marshmallows to homemade ones. For a colorful treat, you can easily add food coloring to this recipe.
INGREDIENTS
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3 packages unflavored gelatin 1 1/2 cups granulated sugar
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1/4 teaspoon kosher salt
1 tablespoon pure vanilla extract
1 cup light corn syrup
Powdered sugar, to coat
DIRECT IONS
1. In a mixing bowl, combine gelatin and 1/2 cup cold water. Let sit while you make the syrup. 2. In a small saucepan over medium heat, combine sugar, syrup, salt, and 1/2 cup water until the sugar dissolves. 3. Raise heat to high and bring syrup up to 240 F, using a candy thermometer to check for temperature. 4. With an electric whisk on low speed, slowly whisk syrup into gelatin mixture. Switch speed to high and whip for 15 minutes, until very thick. Fold in vanilla after whipping. 5. Dust a nonmetal baking dish with powdered sugar and spoon mixture into dish. Smooth mixture, top with more powdered sugar, and let stand uncovered overnight. 6. Cut into squares, decorate, and serve. INSPIRED BY FOODNETWORK.COM
-Matt Aulsbrook
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