The School season has officially dropped or “fall”en. (Ha! Knee Slapper – Dad jokes. Gotta love ’em!) With that in mind, many sports activities have started and as parents, teachers or coaches we will get heavily involved, whether it’s with fundraisers, taking kids to practices or games, or organizing home tournaments.
When travelling to these sporting events, it is important to make sure that your drivers are alert and that they have proper coverage. When you have a van or SUV filled with football or hockey players, things can get a little rambunctious and the driver can be easily distracted by the people or loud music in the vehicle. These distractions to a new driver can severely hinder their ability to drive accurately and with undivided attention.
Most school divisions are starting to filter who can drive and who can’t. Which is a good idea. They should collect drivers abstracts and other claims documentation to make sure that your students are being driven by responsible adults. They are also requiring extension auto policies to be purchased as well. This isn’t so you have a “lesser deductible” if a claim arises. That is a bonus, but that is not the reason they want you to have this policy.
There are 2 coverage’s that come with an auto pak that are underrated and undervalued. Third Party Liability and Family Security.
What is Third Party Liability?
This coverage is to protect the driver if he were ever sued for negligence while operating the motor vehicle. When an accident occurs, it is easy to point out the blame. However, there are never cool heads during a claim and especially following an accident. Having liability coverage allows the lawyers and insurance companies to go to work for you, on your behalf, to make sure that you aren’t going to be financially crippled when the claim finally settles. We strongly recommend carrying 2 million liability minimum. This can be purchased for under $50/year. Most inexpensive coverage you can buy.
What is Family Security?
This coverage is (kind of) the opposite of liability coverage. Family Security kicks in if you are in an accident with an un-insured or under-insured driver. The person who is at-fault may not have any coverage or very minimal. This can be a serious issue. So to protect yourself from litigation costs and small claims court frustrations – trying to get money from someone who likely doesn’t have much, this Family Security makes sure that you and the passengers in your vehicle are looked after. This coverage will pay for your additional costs – such as: medical costs, hospital bills, lost income, etc. This coverage comes with a 1 million or 2 million dollar limit, depending on the liability limit you carry. Oh and want to hear the best part. This coverage is INCLUDED in the $50 you spend on the liability coverage!!!! YOU DON’T EVEN NEED TO PAY FOR THIS!!!! It’s a no brainer to buy this liability policy!
For $4 a month, you can protect yourself from financial ruin in case you are at-fault in an accident, PLUS you can protect your passengers from unwanted medical bills and financial restrictions that come from being involved in an accident. Protect you and your loved ones today. Call one of our offices and get this set up. It takes less than 5 minutes to get properly covered!