Hi, welcome to Legal Tip Tuesday at QuatriniRafferty. My name is Joyce Novotny-Prettiman and I want to share with you today an important tip in regard to your automobile insurance coverage. Please check your coverage and make sure that you’ve chosen both un- and underinsured motorist coverage for your motor vehicles. This coverage is something that you are not required to carry under Pennsylvania law but it’s very important that you do carry the coverage because it protects not only you, but also any member of your family that lives in your household who might be seriously injured in a motor vehicle accident. So, you want to make sure that you’ve selected un- and underinsured motorist coverage, you want to make sure that the policy limits for those coverages are the same or equal to your liability coverage, which is the coverage that you carry in case you’re at fault and someone else is hurt in an accident.

You also want to make sure that you stack those coverages. These things are all every important, most of all because they are going to help you in a situation where someone might be seriously injured, and the other driver doesn’t have enough insurance or has no insurance. We talk to many people who have that situation and they can’t make those changes in the policy after they’re hurt. So make sure that you do that, check it right now, we’re happy to help you if you have any questions about that coverage, but it’s the thing that makes sure that you have the protection in an event that you’re insured seriously in a motor vehicle accident. So take that preventative measure, we’re happy to help you with any questions. Thanks.