DO call your agent as soon as the wreck or accident happens. If you wait, you may lose some of your rights.

DO look at your policy at least twice a year. It is important that you know that you have adequate insurance coverage. We have seen too many cases during our many years of experience where our clients have not had enough insurance to compensate them for their injuries. Additional coverage can frequently be bought for a very small amount over and above what your company charges for full coverage. It costs nothing for your agent to quote the additional coverages for you.

WE recommend that you have at least the following amounts of coverage:

Liability - $100,000

Property Damage - $25,000

Medical payments - $25,0000

No-fault / Personal Injury Protection (where available) - $30,000

Uninsured motorist coverage - $100,000

Underinsured motorist coverage - $100,000

Uninsured motorist coverage protects you if the other driver has no insurance. Underinsured motorist coverage protects you if the other driver does not have enough insurance to compensate you for your injuries.

It will surprise you how little these valuable extra coverages cost, and they are vital to protect you and your family in the unfortunate event of a serious injury. If you have any questions about this, you should contact your agent, or you can call us for a free telephone consultation.

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