Fall Is A Good Time To Review Your Insurance Policies

Your friends at Normand | Higham law firm encourage you to review your insurance policies before the snow starts to fly.  Those policies include auto coverage and homeowner coverage.

We frequently represent individuals who are injured in car crashes where the other driver causing the crash had no insurance coverage or inadequate insurance coverage.  In those instances, our clients’ own automobile uninsured motorist coverage kicks in to the extent of the coverage available.  Far too often our clients have only $100,000 of uninsured motorist coverage where their claims are worth much more than that due to the period of disability and expected lifelong condition.  We encourage our clients to have at least $250,000 in liability and uninsured motorist coverage.  Better still, a modestly priced umbrella policy could afford you $1,000,000 in uninsured motorist coverage, usually at a cost between $200 and $250.

It also is a good time to review your homeowners’ coverage.  With the decline in market values, do you carry too much homeowner insurance coverage?  Sometimes you can adjust your insurance coverage and, with the savings, increase your uninsured motorist coverage on your cars and purchase an umbrella policy so that you would have, for example, $1,000,000 in uninsured motorist coverage should you or anyone in your family suffer a serious lifelong injury where the individual causing the injury had inadequate coverage as is usually the case.

We are a law firm and not an insurance agency, but insurance is frequently a very important factor when we are seeking fair compensation for our clients who have sustained long-term injuries through the fault of another.

At Normand & Associates, we are a full-service law firm representing not only individuals and family members at a time a personal injury or other insurance loss, we also have the expertise among attorneys and staff to represent individuals in estate planning, marital matters, probate, bankruptcy, motor vehicle and criminal cases.

Articles contained here are not intended to provide legal advice, only providing general information. We encourage individuals to consult with an attorney regarding individual circumstances.