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Do You Have All the Coverages You Need?

Photo: Anyone know a good insurance agent? Haha well mine was there right when I had my accident! All jokes aside everyone be careful cause there are a lot of crazy drivers right now. Someone ran a red light and hit me! Fortunately I don't have any serious injuries and the other person involved was not hurt

You never know if you are going to get in an accident and what that accident is going to look like. I have never been in a wreck but on Thanksgiving Day a man ran a red light and hit my car going 35-40 mph. It was very scary cause in a collision you are powerless!! Luckily no one was hurt. The man that hit me did not speak any english, did not have a Texas Drivers License and did not have insurance. This is a situation that really sucks but happens more often than you think. There is a Uninsured/Underinsured coverage option on your auto policy that will be a life saver in this situation. Its usually a $250 deductible versus whatever your collision deductible is, usually between $500-$1,000, and you don’t take a rate increase since the accident was not your fault. Insurance is important to people at the time of a claiim so its worth it to check it out and spend a little time to understand what you have and what you need. If spending an extra $10 a month means you are not out thousands of dollars then its totally worth it!


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