This month we will be looking at all the ways that you don’t buy the right insurance. Many of them no one would know about unless they have been through the policy or they have been unfortunate enough to find out that they didn’t have the coverage. The problem is that you can’t count on your agent to get the correct coverage. It is amazing to talk to an agent and find out that they had no idea what some of what they were selling did. To say nothing about what happens when you buy your coverage over the internet and have no one to deal with.
– Make sure there isn’t an exclusion that changes the policy for family members. There are a couple of policies out there that reduce the Underinsured or Uninsured coverage if it is used for a family member. Can you imagine the parent that would buy a policy that would provide more protection for the neighbor kid than for a child of their own? How about the agent that claims they explained that provision?
Insurance is about protecting yourself and your family. It’s a mandatory coverage so you might as well get what protects you the most. We too often learn of these problems after the fact. But, if you ever have questions, leave a comment, email, or call. We are willing to share our experience so you don’t learn the hard way.
A founding partner with Bradshaw & Bryant, Mike Bryant has always fought to find justice for his clients—knowing that legal troubles, both personal injury and criminal, can be devastating for a family. Voted a Top 40 Personal Injury "Super Lawyer" multiple years, Mr. Bryant has also been voted one of the Top 100 Minnesota "Super Lawyers" four times.