TUESDAY, JANUARY 31, 2017
FANS DON'T LET FANS DRIVE DRUNK
Super Bowl Sunday is coming up, and your chances of being involved in a drunk driving crash is doubled compared to a normal Sunday in January or February--a crash like the one in the story below. If you're hosting a Super Bowl party, or attending one, be a positive influence by being prepared.
REAL PEOPLE, REAL STORY
Andy, a social worker, had spent the afternoon at a Super Bowl party and had been drinking. Even though he was buzzed, he felt like he could drive home, especially because he lived only a few miles away.
As he was turning onto his street, he struck his neighbor, Sam, an 18-year-old student/athlete walking home from work at the yogurt shop.
Sam sustained major injuries, including spinal damage, and was air-lifted to the hospital. His future care would include multiple surgeries to preserve as much neurological functioning as possible.
Because Andy forgot to pay his auto insurance premium, he was considered an uninsured motorist.
Sam's parents' auto policy responded; the policy contained a limit for Uninsured/Underinsured Motorist, and the limit was triggered. Unfortunately, the limit was not enough to pay for Sam's ongoing medical treatment.
Fortunately, Sam's parents also had a standalone Personal Umbrella with excess Uninsured/Underinsured Motorist coverage that kicked in for medical expenses and ongoing litigation once the underlying auto policy was exhausted.
WHAT YOU CAN DO:
*If you're planning to drink, call a taxi, call a friend, or download the SaferRide app onto your phone. The app is free.
*Realize that buzzed driving IS drunk driving. Make the commitment to being safe on game day and beyond.
*Before the game, ask your agent about a standalone Personal Umbrella with excess Uninsured/Underinsured Motorist coverage. These policies are surprisingly affordable!
WHAT'S AN UMBRELLA WITH EXCESS UNINSURED/UNDERINSURED MOTORIST COVERAGE?
*A policy that sits ON TOP of your auto + homeowners/renters policies.
*It kicks in after the underlying limits are exhausted.
*Includes specialized legal defense.
WHY EXCESS UNINSURED/UNDERINSURED MOTORIST? If you're in an accident and the other driver is at fault and has limited (or no) coverage, it covers the gap between what their policy pays and your medical expenses. Without it, you're responsible for the difference.
Give us a call about this vital, affordable protection today!
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