In life, it's what we don't know that will hurt us. if you are like me, I always wonder what I am not being told. Whether it is News, Political Commentary, or someone trying to sell me something, I always want to know the Pros and Con"s before I decide. Since I am The Insurance Cowboy and live by a strict code of Ethics, I wanted to share this topic with you. First of all the bulk of Car Insurance premiums are at the low end of coverages. Doubling you Bodily Injury Liability coverage does NOT double your premium. The higher Liability coverages give you the better value. The question is how much coverage do you need. That can best be answered by a trusted Insurance Advisor such as I. Many homes have been lost and paychecks garnished due to low Bodily Injury liability Coverages on you car. Yes, car insurance can affect your home and business in a very negative way. Another area of concern is UnInsured and UnderInsured Motorist coverage. This coverage protects YOU from someone hitting you and injuring you who has NO INSURANCE or NOT ENOUGH INSURANCE to take care of your injuries, lost income, and pain and suffering. This coverage is referred to as UM/ UIM and should always be equal to your Bodily Injury Liability coverage. DO NOT EVER PURCHASE 15/30 Bodily Injury or 15/30 UM/UIM. These low limits are extremely dangerous and should seldom if ever exist. CALL ME and I will explain it all to you. One final area that needs to be discussed is "Umbrella's". These coverages are normally 1 Million dollar increments. This "Umbrella" protects YOU in the event you are found to be at fault. It is additional coverage to your Bodily Injury Liability limits. The general rule of thumb with the companies that I represent is that the cost is aprox. $50 per car and $50 per house annual premium.So for 2 cars and 1 home the cost could be aprox. $150.00 per year for 1 million dollars of protection. That is a Smokin Hot Deal! That is why Insurance Companies don't really want you to know about them. Would you be willing to put up 1 million of your own money for $150.00 per year?? Not me. Be wise in insuring your most valuable assets by asking The Insurance Cowboy for some Honest advice from a truly Honest Trusted Advisor. I can be reached at 702-203-5954 or email marlonc@call-associates.com, or speak to your own agent. Remember, "Insurance is one of those things where you never know how good or bad it is till you need it....but then it's too late".
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