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The Importance of Carrying the Right Amount of Car Insurance HOW MUCH IS ENOUGH? SEARCH Word
a claim and possibly even a lawsuit against you. Liability coverage will pay for the claim and the costs of your defense attorney. 3. Medical Payments Coverage Commonly referred to as “medpay,” medical payments coverage in your car insurance policy is a sort of health insurance policy that helps pay medical bills after an accident. Medpay really comes in handy if you don’t have health insurance, you have high deductibles or copays, or you have a health insurance policy that requires subrogation (reimbursement). Even if you have great health insurance already, adding medpay to your policy can make a huge difference. Medpay can help preserve your credit and keep bills from going to collections. How much is enough when it comes to car insurance? This is a personal decision, but our advice is to buy as much liability and uninsured/ underinsured motorist coverage as you can afford. Even one night in the hospital can add up fast. Remember, if you join our VIP club, you will receive a free auto insurance policy review. Just give us a call at 949-565-2993 or email us at offer@casebarnettlaw.com .
If you’re in an accident, you want to believe that your car insurance will take care of everything. That’s why you pay for it every month, right? Unfortunately, most people get on the road with policies that are severely lacking, and they only learn about the gaps in their coverage after suffering a horrible accident.
Here are three areas you don’t
want to skimp
on in your car insurance policy.
Candle Cookies Decorations Family Gratitude Holidays
Snowflake Snowman Snowstorm Tradition Travel Winter
1. Uninsured and Underinsured Motorist Coverage Uninsured and underinsured motorist coverage is often the least understood part of a car insurance policy, but it can be the most important coverage you get for your family. In California, it is illegal to drive without car insurance, but many people do. Likewise, many people let their policies lapse without realizing it or only carry the minimum amount of coverage required. Uninsured and underinsured motorist coverage will protect you if you are in an accident caused by someone who does not have sufficient insurance to cover your injuries. If you look at our “Case Closed” section (below) this month, you’ll see cases settled for the other driver’s policy limit. This means we cannot go after the insurance company for more money, even if our client suffered greater damages. However, if our clients had had uninsured and underinsured motorist coverage at the time of the accident, we would have been able to tap into that policy to cover the remaining portion of their damages. 2. Liability Coverage This coverage protects you and your family if you cause an accident that hurts someone else. If this happens, you will have
SEARCH Word 1 bone-in prime rib (6–7 pounds) 8 cloves garlic, thinly sliced Holiday Roast Prime Rib Inspired by Food Network Ingredients
• • • • • •
2 cups red wine 4 cups beef stock
1 tablespoon fresh thyme, chopped Salt and freshly ground pepper, to taste
Directions
Candle Cookies Decorations Family Gratitude Holidays drippings from roast over 2 burners on high. Add wine and scrape pan as liquid reduces. Add beef stock an cook until reduced by half. Finally, sprinkle in thyme. 6. Slice roast and serve topped with au jus. Snowflake Snowman Snowstorm Tradition Travel Winter 1. 30 minutes before cooking, remove roast from fridge and let sit until it reaches room temperature. 2. Heat oven to 350 F. 3. Make small slits in prime rib and stuff with slices of garlic. Liberally season with salt and pepper. 4. Place a rack inside a roasting pan and roast prime rib for 2 hours, until medium-rare. 5. To make au jus, place roasting pan with
September Auto v. Auto Accident: $225,000.00
October Domestic Abuse Case: $350,000.00 Elder Abuse/Neglect at an Assisted Living Facility: $350,000.00 Child Injury/Negligent Supervision at School: $45,000.00
Auto v. Auto Accident: $50,000.00 policy limit case Auto v. Auto Accident: $37,000.00 policy limit case Auto v. Auto Accident: $30,000.00 policy limit case Auto v. Auto Accident: $30,000.00 policy limit case Auto v. Auto Accident: $15,000.00 policy limit case
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