Your insurance car policy must cover the following:
- Liability coverage;
- Medical payments coverage;
- Uninsured motorist coverage, and
- Underinsured motorist coverage
Let’s talk briefly about this one by one.
Liability coverage
Liability coverage is your protection. It protects you if you operate your car and hurt someone else. That’s for your benefit.
Medical payments coverage
Medical payments coverage is the coverage that pays for medical expenses that anybody incurs as a result of the use of an automobile. It covers anybody using or inside that automobile. It doesn’t protect someone in another car that you may hit or that hits you.
Uninsured motorist coverage
Uninsured motorist coverage is required if you have an insurance policy and liability coverage, and if you have liability coverage, you’re required to have uninsured motorist coverage.
Underinsured motorist coverage
Underinsurance coverage protects you if someone else is driving a car and hits you and causes you to incur medical expenses and other damages that are more than the insurance they have.
Dennis Yu
Dennis Yu is the CEO of Local Service Spotlight, a platform that amplifies the reputations of contractors and local service businesses using the Content Factory process. He is a former search engine engineer who has spent a billion dollars on Google and Facebook ads for Nike, Quiznos, Ashley Furniture, Red Bull, State Farm, and other brands.
Dennis has achieved 25% of his goal of creating a million digital marketing jobs by partnering with universities, professional organizations, and agencies. Through Local Service Spotlight, he teaches the Dollar a Day strategy and Content Factory training to help local service businesses enhance their existing local reputation and make the phone ring.
Dennis coaches young adult agency owners serving plumbers, AC technicians, landscapers, roofers, electricians, and believes there should be a standard in measuring local marketing efforts, much like doctors and plumbers must be certified.