“… That’s what insurance is for,” is a common refrain when involved in an accident or when suffering a home insurance loss. Regardless of what insurance is for, it’s never fun to have a claim.
Allstate’s “Mayhem” campaign highlights different claim scenarios in a fun, lighthearted way. Most important, in a claim, of course, is if no one is injured. If you’re alright, then we can help you work through the claim process, in an attempt to become whole again.
If you, or someone else, is injured in an accident, then it’s not always so easy to make everything all right. Sometimes, not even having insurance can help.
Just about every day our office takes reports of claims. Sometimes it’s simple, like a windshield glass claim or a fender bender. Sometimes it’s much worse — and much more complicated.
When we review a Massachusetts auto insurance policy, the first thing I look at is the Part 5, Optional Bodily Injury to Others, limit. This is your coverage available to anyone you might injure in an auto accident.
This is, in essence, your law suit coverage.
We recommend limits of, at least, $250,000 per person/$500,000 per accident. In addition, we recommend clients carry Personal Liability Umbrella coverage with limits between $1,000,000 – $10,0000. Umbrella coverage “sits over” your Part 5, Optional Bodily Injury to Others, limits.
In addition to your limits, insurance companies pay for defense. The higher limits you carry, the more vigorous, or thorough, the defense.
Please call, click or email to review your auto insurance coverage. It’s better to do this now, rather than wait for mayhem, to understand your limits.