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Your email address will not be published.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

    It was a pleasure working with attorney Alexis Cahill. She helped me understand everything and gave me more than I ever thought. She is so nice and an excellent lawyer. I'm glad I went to this co-op.” thank again you for taking care of everyth...

    Read more

    rita botelho

  • google
    5.0/5.0

    Colleen Santora and her partners at Feinberg & Alban went above and beyond in providing efficient and professional representation throughout my recovery process. Colleen is a great attorney that is very knowledgeable and empathetic. She was a pleasur...

    Read more

    ELI-RAN YOUSHAEI

  • google
    5.0/5.0

    Working with this firm was a great experience. Marsha Alban is a great attorney and very easy to work with!

    Read more

    Bronislava Abramova

  • google
    5.0/5.0

    This attorney office is highly efficient, amazing, and professional. They made me feel very comfortable and was invested in my interest. Communication through my whole experience was always professional and prompt. I highly recommend them to anyone w...

    Read more

    Babydoll Babydoll

  • google
    5.0/5.0

    I was in a car accident recently, and was lost in the process of what to do post my injuries. I contacted Feinberg & Alban, where I was introduced to Colleen Santora, who was the best resource I could have ever imagined. Colleen was knowledgable, emp...

    Read more

    OT Tips & Tricks for Kids

See all reviews
Awards & Affiliations
Contact us

Quick Contact Form