The Most Important Car Insurance Coverage in the World

This is probably the most important article you’ve ever read about your family’s insurance protection.

How can I say that?

I’ve been in the insurance business for years. I’ve seen way too many people come to me with their lives torn apart in frustration, anger, and tears when they’ve had an accident, fire or claim that their previous insurance policy won’t cover.

You’ll learn some quick tips to make sure you are covered properly, and get the best value for your money.

Some people hate the insurance companies for not paying the claims, but the reality is that many times, is not the insurance companies fault, it’s the way the policy was set up in the first place. That can be the agents fault, could be the customers fault for going cheap at all costs, and it can be because some people just don’t know better.

15 minutes could save you 15% and Cost you everything you own…

Some commercials con you into believing that all you need is 15 minutes with a box of microchips (computer) and an internet connection to get your FAMILIES ENTIRE PROTECTION set up properly.

This is exactly the reason why so many people discover too late they don’t have the right coverage. They don’t have an expert there to make sure they get a great price, and get the coverage they need.

That’s why I decided to write this article. So innocent consumers don’t have some of the tragic experiences I’ve seen in the past.

Let’s get started…

The most important coverage you have is your auto insurance.

It’s the most important because accidents happen very frequently, and they are often very severe. There are over 6.5 Million auto accidents in the USA each year.
Estimates put the number of cars on the road in the US at 62 million. Most accidents involve 2 cars (some more than that) this means an estimated 13 million cars per year are in accidents. That means statistically each car will be in an accident at least once every 4.7 years.

Here’s the deal, unfortunately it’s not a matter of IF, but only a matter of WHEN we will be involved in a car crash. So when that time comes, here’s what you need to know:

The Most IMPORTANT Coverage You Don’t Have

The most important coverage on your auto policy is one that most people know nothing about it. It’s called Uninsured and Under-insured motorist coverage.

In a nutshell, this is so important because it RESTORES and PROTECTS YOU. When (not if) you get hit by someone who doesn’t have insurance, or doesn’t have enough insurance to cover the damage…your policy has to pay the bill.

A $300,000.00 MISTAKE

My friend Gina was nearly killed. She was smashed into by a driver without insurance in the middle of an intersection. Gina’s agent never took the time to explain this MOST IMPORTANT coverage. Because of this error, they only had minimum policy limits of $15,000 on their uninsured motorist coverage.

Gina ended up in critical condition in the hospital for months, and rehab for even longer. In the end, the bill was over $300,000.00, and guess who had to pay it? That’s right, Gina.

They ended up setting up a 20 YEAR PAYMENT PLAN. That’s right. In addition to nearly getting killed, losing her job, spending months in the hospital and rehab, on top of all of it, they had to pay back the $300,000.00 medical bills over the next 20 years. It was devastating.

It’s not fair!

You’re right, it’s not. But that’s the way it goes. There is NO ONE ELSE to pay the claim. The driver had no assets, no job, no coverage. Her policy only had a limit of $15,000 so they paid that much, but the coverage ends there.

In this case, their own car insurance policy was nothing more than an expensive stack of meaningless legal ramblings. The thousands she’d paid for insurance over the past years didn’t do her any good. It wasn’t the insurance companies fault either. They help up their end of the contract, it was her agent who failed them.

Make Sure You Don’t Fall Prey

This is a VERY CHEAP coverage. All you need to do is increase your Uninsured Motorist Coverage to the regular policy limit…and it usually costs just a few dollars per month. (Usually policies have a “Liability Limit” Of $300,000, $500,000 or $1 Million. This pays for OTHER people’s cars and health care if you hit them. Who’s looking out for you? Uninsured and underinsured covers YOU! )

15 Seconds or 15 Minutes Could Cost You $300,000.00

It only takes about 15 seconds for an agent to increase the coverage from the regular minimum limits (usually $15,000) to the policy limits at $300,000.
Imagine Gina’s agent not taking 15 seconds, (15 seconds!) to talk to her and increase her coverage accordingly. It’s a crime. (If your agent hasn’t talked to you about this, you may want to give us a call. We will make sure there are no other holes in your policy as well 520-514-8884)

I hate to see people pay for insurance year after year, then when they need it most, get left holding the bag because their policy wasn’t done properly.

I hope this report has helped you understand how to make sure your assets and family are covered properly. There are many more of these “little things” that make a huge difference in whether or not you have your claims paid.

Trying to get insurance coverage online, talking to a call center employee, or dealing with an agent who doesn’t take time to make sure you are covered properly can be a disaster.

Give me a call if you have any questions or if you want to make sure you don’t get caught without coverage.


Jason Hornung – The Net Worth Doctor
1-866-514-8884 Toll Free
520-514-8884 Southern Arizona Local
www.thenetworthdoctor.com
Jason@thenetworthdoctor.com