Does Your Coverage Have Cobwebs?
When you make your spring cleaning checklist, you probably prioritize those old boxes in the garage or the dust on your ceiling fan. You might not think that your auto insurance policy requires any upkeep, but you’d be surprised to learn that there could be holes in your coverage that you aren’t aware of. To make sure your policy does what it should, Emery Law Offices offers a FREE review of your coverage.
The gaps in your coverage aren’t your fault. Our current insurance system is insanely complicated. I wish that weren’t the case, but pretending insurance is easy only makes the problem worse. The same way you might not know about a leak until it causes serious damage to your home, you may think your policy is rock solid until your in an accident. Nobody deserves to experience that fate. The best way to avoid it is to analyze your coverage in detail.
Think of our review as a thorough spring cleaning of your auto insurance policy. As we discuss your policy, we’ll focus on both the areas where coverage is patchy and the areas where you may be overpaying. On area of particular concern are the uninsured motorist (UM) and underinsured motorist (UIM) portions of your policy. In Kentucky, UM coverage is standard on every policy, but far too many people unknowingly waive that coverage.
UM and UIM clauses help cover the costs incurred when you are injured in an accident and the at-fault driver doesn’t have sufficient insurance of their own. UM covers bodily injury (not property damage) when you’re injured by an uninsured, at-fault driver. UIM, on the other hand, kicks in when the driver was insured, but their policy cannot sufficiently cover the costs of your bodily injury. When either of these coverages are used, your insurance company retains the right to go after that at-fault person to get their money back. We all know that you can't squeeze blood from a turnip, but the insurance company can go after that turnip with more resources (and likely lower cost) than the insured driver (you) ever could.
Without these policies, you could end up paying out-of-pocket costs even though you weren’t liable for an accident. Do I think that’s fair? Not at all. But it’s the reality of the situation, and you should be aware of it.
Taking some time to understand the types of coverage within an auto insurance policy will help you identify potential areas for concern. However, as I said early, this stuff is purposefully convoluted. The best way to level the playing field is to have an attorney with experience look over your policy. I’ve seen first hand what can happen when you’re injured in an accident without various coverages in place.
Why would you want me, an attorney, to do this inspection rather than an insurance rep? Because I don’t sell insurance! I have nothing to gain from telling you that you need more (or less) coverage. I just want you to have the policy that makes the most sense for you. At the whopping cost of $0, you have nothing to lose. Try to find somebody who will clean your attic for that price!
Call Emery Law Offices today to schedule your free policy review. It’s spring cleaning that will benefit you for years to come! It only takes 30 minutes and is entirely free of charge. So what are you waiting for? Call us today.