What do insurance agents know about uninsured motorists?
Back by popular demand is local insurance agent Jay McGlohn, Vice President of Gloucester Southside Agency, a Towne Insurance Agency.We asked Jay for his take on uninsured or underinsured motorist (UM/UIM) coverage:
GibsonSingleton: You must get complaints from people about having to get “uninsured/underinsured motorist” coverage, but what is your perspective on that?
Jay McGlohn: I tell my customers that uninsured motorist coverage becomes your insurance if the “at-fault” party is uninsured or underinsured.
Example: If you are injured in an auto accident caused by another party, their insurance is the first to respond to paying for your injuries. Let’s assume the “at-fault” party carried only the state minimum limits of $25,000 per person/$50,000 per accident for bodily injury. (This is not recommended, but there a lot of them out there).
We all know that $25,000 will not cover the medical cost of someone seriously injured. If the cost of the medical services required to address your injuries exceeds $25,000, your insurance policy now picks up the tab.
Bottom line: uninsured motorist insurance is an inexpensive coverage, when compared to the potential medical bills that exceed the liability limits of the “at-fault” party.
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Prevention, empathy, and diligence are hallmarks of everything we do at GibsonSingleton Virginia Injury Attorneys. Our community can see these ideals lived out in our work to prevent personal injuries from happening.
- Safety Education
GibsonSingleton launches a “Texts=Wrecks” campaign to reduce the number of people injured or killed by distracted drivers.
- Annual Coat Drive
During the fall, our team works to distribute coats to people in need in our community.
- Hands-on Service
John and Ken join the Gloucester Point Rotary Club in cleaning up the community.
- Supporting Local Schools
The Gibson family participates in Gloucester’s Botetourt Elementary Shuffle fundraiser.