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What is Uninsured Motorist Insurance And How Much Do You Need? standard

What is UNINSURED MOTORIST Insurance and How Much do you need? First, let’s talk about what uninsured motorist insurance is.   If you are in an accident and the other driver is found to be at-fault, and they don’t carry liability insurance, uninsured motorist insurance is there to protect you.   Another aspect of “Uninsured Motorist” (UM) insurance is called “Underinsured Motorist” (UIM).  This is utilized if you’re in an accident, with an at-fault driver, whose liability insurance coverage is too low to cover the damage to your vehicle/property.   Even your medical expenses can be covered.  Another thing to consider is that while you may have health insurance to cover your own medical costs if you are injured, someone riding in your car may not.  ...

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How Much Auto Liability Insurance Do You Need? standard

How Much Auto Liability Insurance Do You Need? As promised in the previous article we will begin to define the various terms that are a part of your personal line insurance policies.    First up is your automobile liability insurance.  What is it and how much coverage should you have? Liability To Others:  This is one that is pretty straight-forward and one that most people are fairly familiar with.  If you get into a car accident, and it has been determined that you are “at fault”, you will be responsible to pay for any damages. There are 2 types of automobile liability insurance coverages: Bodily injury to others.  This covers medical bills, loss of income, pain, and suffering, etc. to a person that ...

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Personal Line Insurance Terms standard

Personal Line Insurance.   What is considered “Personal LIne” insurance? Merriam-Webster’s Definition of insurance a:  the business of insuring persons or property b:  coverage by contract whereby one party undertakes to indemnify or guarantee another against loss by a specified contingency or peril c:  the sum for which something is insured  Insurance.   As much as the last thing we want to think about is paying someone to protect us from something that we hope never happens, we need to.  Because people don’t want to think about it, they may tend to ignore the details when it comes to insuring their possessions.   While some of the terms in an insurance policy are pretty straightforward, others may take a bit of explaining. Since that is the case, we ...

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