You're Doing Auto Insurance Wrong!

I see the consequences of auto insurance mistakes every day. Here are the 3 mistakes you probably do!

1.   You have minimum PIP coverage -  What is PIP you may ask?  Well, PIP (Personal Injury Protection) is a coverage you already pay for - It is mandatory in Utah. You have to have it and it is a good thing. (more info here)
      One thing PIP pays for is Initial Medical Costs. In Utah, the minimum coverage is $3,000. Thats it! You know what that covers? -an ambulance ride or one ER visit. Choose one...  The average car collision costs $7,500 in medical bills, leaving you with $4,500 in bills.
      Heres the good thing - YOU CAN RAISE YOUR PIP! And you can do it for extremely cheap! We are talking a few dollars a month for $10,000 of coverage. Do that and you will start winning auto insurance. (Brush that shoulder player) --->

2.   Second Mistake, You Waived UIM or UM to save a few bucks. You big dumb idiot... UIM is Under-Insured Motorist Coverage. This is your protection when someone with low insurance limits hits you. UM is Uninsured Motorist Coverage. This is when someone with no insurance hits you. 
      Yesterday, this happened: My client was driving his car through an intersection. The Defendant ran the red light and T-boned him. BAM! Like Val Kilmer tackling cake.  My Client had an ambulance to the hospital and a dwarfing $35,000 in medical bills. After all that, here is the actual scary part - The Defendant had the state minimums for insurance coverage, only $25,000. That is the max my client can get from the defendant's insurance. I will repeat, my client, who was obeying traffic laws, can only get $25,000 from the defendant's insurance. Now What? He still has $10,000 in medical bills...
     Well, sadly, my client waived his UIM coverage to save money -  a whopping $5.14 per month! (smh) Had my client kept his UIM coverage, he would have had an additional $25,000 of protection, at least. So please, DO NOT WAIVE UIM/UM. The big mac you save per month is not worth what you give up. You're better than that!

3.   Lastly, you chose your coverage based off your premium. Unfortunately, all insurances are not created equally. Some pay you happily and others fight like Tyson. You want the one that pays you without hassle (hopefully that is obvious).   Those insurances tend to be more expensive. 
      The one that I have noticed to be the worst is Geico. My colleagues would add StateFarm and Farmers to that list. These companies actively look for reasons to avoid payment, to you, their client! Again, you deserve better. 

Thanks for reading and Drive On!