Here’s some free advice: If you drive a car, you should have uninsured motorist coverage and medical payments coverage. Too often we see drivers who are injured because of someone else’s carlessness. In some scenarios, our clients do not have “UM”, or uninsured motorist coverage. In that case, if the at-fault driver doesn’t have insurance, you’ll get no compensation. You should also have medical payments coverage, or MedPay. MedPay is no fault insurance that covers a certain amount of medical bills. Do NOT drive without these types of coverage.
Insurance you MUST have