When you are a member of our VIP Program, you will benefit from our attorneys, Russelland Ashley, reviewing your automobile insurance policy. We will guide you on what we think you should change on your policy to ensure that you and your loved ones are protected in the event of a motor vehicle accident.
This month we reviewed Tim’s insurance policy, continue reading to see our suggestions to make sure that him and his family are protected in the event of a car wreck.
Tim has the following coverage in Liability and Uninsured and Underinsured Motorist:
- $100,000 in Bodily Injury per person injured
- $300,000 in total coverage for every car wreck
- $50,000 in Property Damage
- $2,500 in Personal Injury Protection (PIP)
We personally suggest he upgrades his policy limits to a million dollars. Half-a-million dollars at the least.
What’s The Importance Of UM, UIM and PIP Insurance?
To start off, make sure you understand what UM, UIM and PIP stand for? If not, here’s a quick explanation.
- UM stands for Uninsured Motorist
- UIM stands for Underinsured Motorist
- PIP stands for Personal Injury Protection
UM and UIM is beneficial in the event that you and your family are hit and the driver responsible for the wreck doesn’t have enough liability to cover you and your family’s expenses. Or worse - they don’t have any insurance at all. This is where PIP comes into place.
Make Sure You Have It
Most people opt out because they say "I'll never need it." However, all of my clients that have come in my door immediately start calling their insurance agent and requesting that UM/UIM be added or increased. You should not be any different. This can protect you when you get hit by an uninsured driver or a minimum policy driver. The importance of having this wont seem that big of a deal until you or a loved one is faced with these circumstances and are left to figure things out on your own. Taking these precautionary steps and covering your back is not only a smart thing to do but should be your priority. We have seen some unbelievable cases that could have been a different outcome had UM/UIM been placed. It is always easy to say "I drive safe," or "I have never been in a wreck so I don't need it." Well we all hope that continues for all of these people's statements, but the truth of the matter is, its not always about how you drive and accidents happen daily. Protect yourself and try not to fall into the unfortunate statistic. Get UM/UIM, you will be glad you got it.
What Can The Button Law Firm Do To Help?
If you have recently been in a car accident, please feel free to download our free consumer guides on car wrecks.
We created these to make sure you and your family are informed about your rights. If you have any other questions after checking out our legal library on car wrecks, give us a call at 214-888-2216. We'll love to answer those for you. You can also fill out our Contact Us form.