Search Site
Menu

An Ounce of Prevention

In a recent blog, I wrote of the optimism that people have in that we tend to think that we will not be injured in an activity or in a car accident. That is a logical human feeling. However, as Benjamin Franklin once said, “an ounce of prevention is worth a pound of cure.” Well, preventing accidents is worthwhile but also of great use is the protection that we afford ourselves financially. Toward that end, I customarily write to my clients of the importance of being sufficiently protected by having enough auto insurance and, in appropriate cases, having an umbrella, which covers accidents in the home or on the road. I am struck by how little it costs to have an umbrella. My umbrella provides two million dollars of personal liability and costs a paltry, relatively speaking, two hundred forty dollars. If you are so inclined to have an umbrella, be mindful that you need what is called underlying limits of a sufficient amount on your primary policies. For cars, that usually means having $250,000/$500,000 in optional bodily injury limits under part 5 of your automobile policy.

Homeowners’ coverage only protects you from suit and does not provide any coverage to you or household members for an accident on the premises or elsewhere. With automobile insurance, it is significantly different. That is due to the availability of bodily injury caused by an uninsured car under part 3 and bodily injury insured by an underinsured car under part 12. Those will come to the rescue of you or household members. The problem is that to have sufficient coverage under those parts, you must have at least the same level of coverage under part 5. This requires some financial commitment but it is an investment in you and your family’s protection.

Leave a Reply

Your email address will not be published. Required fields are marked *

Feinberg & Alban, P.C. fervently protects your rights
  • The Boston firm of Feinberg & Alban, P.C. specializes its practice in the area of personal injury.

    The attorneys serve the entire state of Massachusetts in addition to affiliating with lawyers in other states to handle cases outside of Massachusetts.

  • $7.7 Million Award for Feinberg & Alban Client in Personal Injury Trial

    Boston Attorneys Win Highest Injury Verdict in Massachusetts in 2011 & 2012.

Client Reviews
  • google
    5.0/5.0

    Choosing Feinberg & Alban was probably one of the best decisions I ever took. Robert Feinberg and Perry Feinberg are amazing in their professionalism as well as in compassion. Perry was the lead attorney for me. He was always responsive to any questi...

    Read more

    Raja Bhattacharyya

  • google
    5.0/5.0

    I would like to express my gratitude to Feinberg & Alban PC. They are great people and professionals. If you need an attorney these are your guys. Thank you so much! Tatiana

    Read more

    Tatiana Andreeva

  • google
    5.0/5.0

    It was unbelievable!! I got into a motorcycle accident didn’t remember a thing when I woke up I was in the hospital and very terrified I thought to myself I think I need a lawyer I started looking online and I came across this law firm let me tel...

    Read more

    Vin Loco

  • google
    5.0/5.0

    Colleen Santora helped immensely in every step along the way of my fight against the insurance company regarding my property damage and injuries sustained. I'm grateful and would recommend Colleen to anyone! Thanks

    Read more

    DatDude Lex

  • google
    5.0/5.0

    When I was in a car accident, my husband and I searched for a good injury lawyer to represent me After talking to several law firms, we found Feinberg & Alban. The moment we finished talking with Robert and Perry Feinberg, both my husband and I immed...

    Read more

    Jayashree Banerjee

See all reviews
Awards & Affiliations
Contact us

Quick Contact Form