BRAIN BREAK
Most Americans purchase automobile insurance because it is required to legally drive a vehicle. However, drivers probably don’t put much thought into the types of insurance that would adequately benefit and protect them if they were involved in a serious collision. Unfortunately, after a tragic collision involving personal injury, innocent people are often left with not only physical damages but also extreme monetary loss due to inadequate insurance. Therefore, understanding the different types of automobile insurance in South Carolina may greatly benefit your family in the aftermath of a motor vehicle collision caused by another driver’s negligence. Below are various coverages that may benefit you and your family after a motor vehicle collision. Underinsurance Coverage Underinsurance benefits apply when a driver injures you or your vehicle’s occupants, and the at-fault driver’s insurance coverage is insufficient to cover the full value of your claim for personal injuries. Underinsurance will serve as an addition to the limited insurance provided by the at-fault driver’s coverage. This coverage is restricted by the amount of insurance you purchase. Adding underinsurance is relatively inexpensive compared to the financial loss that injured people often suffer after a collision that was not their fault. Therefore, we always recommend that drivers purchase as much underinsurance as they can afford. Underinsurance provides excellent protection for those injured due to the fault of another driver. Medical Payment Coverage Medical Payment Coverage will pay the reasonable medical expenses for anyone in a vehicle injured in an accident. Under this coverage, it does not matter who was at fault in the collision. As with liability coverage, the insurance company’s obligation is limited to the coverage the policyholder purchases. Medical Payment Coverage is available in South Carolina and provides relief for those injured in a collision. However, this coverage is not mandatory. Uninsurance Coverage This insurance will cover claims when the at-fault driver is uninsured. However, unlike underinsurance coverage, uninsurance coverage is mandatory in South Carolina. Therefore, if you purchase liability insurance, you will also be provided with uninsurance benefits. The insurance company’s obligation is limited to the amount of coverage purchased. Since this coverage offers protection when an uninsured driver injures a person, we recommend that drivers purchase as much uninsurance coverage as they can afford. Uninsured, Underinsured, or Just Confused? Know Your Coverage Options
Solution on Page 4
Pumpkin Dump Cake
INGREDIENTS
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1 (15 oz) can pure pumpkin 1 (10 oz) can evaporated milk
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1 box yellow cake mix
1 cup coarsely crushed graham crackers or pecans 1/2 cup toffee bits (optional) 1 cup (2 sticks) butter, melted
1 cup light brown sugar
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3 eggs
1 tbsp pumpkin pie spice
1. Preheat oven to 350 F. Coat a 9x13-inch baking pan with nonstick spray and set aside. 2. In a large bowl, add pumpkin, evaporated milk, sugar, eggs, and pumpkin pie spice. 3. Stir to combine and pour into the prepared pan. 4. Sprinkle the entire box of cake mix on top, followed by nuts or graham crackers and toffee bits. 5. Pour melted butter evenly on top. 6. Bake for 45–50 minutes, until the center is set and edges are lightly browned. 7. Serve warm or at room temperature. DIRECTIONS
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