You may not think of the deductibles and liability limits on your insurance policies as part of your financial strategy. But they could make a difference in your overall financial picture, according to Kern Schools Federal Credit Union. Consider them “expenses in waiting” — potential costs that you should be prepared to face.
And it can be difficult to navigate the through the overwhelming number of insurance choices available. Chain | Cohn | Stiles and Kern Schools Federal Credit Union are partnering to help you decide.
A complimentary workshop for Kern Schools Federal Credit Union members will be held from 6 to 7:30 p.m. on Thursday, July 16, at Kern Schools’ Administrative Offices, 11500 Bolthouse Drive, off Buena Vista Road, one mile south of White Lane.
As part of the workshop — titled “Auto and Home Insurance: How to protect you and your family” — Chain | Cohn | Stiles attorney Matt Clark will help credit union members these tough questions:
- How much insurance should you have?
- How much should you pay?
- Is your family fully protected?
The attorneys will focus on several auto and home insurance topics including uninsured and underinsured motorist insurance, umbrella policies, what liability means, first- and third-party insurance and much more.
As an example, the attorneys at Chain | Cohn | Stiles represent many people have been involved in auto accidents. And many times, he receives calls from people who have been injured by someone who didn’t have any insurance at the time of the accident.
Due to the accident, the injured client has had to miss work and has medical bills to pay.
“What do you do to protect yourself?” Clark said recently on a Bakersfield radio show. “When you buy insurance, one of the cheapest things you can buy is uninsured motorist coverage. You want to have limits that can cover you in case someone hits you.”
Clark recommends drivers purchase a $100,000 over $300,000 auto insurance policy at a minimum to protect yourself. The policy allows you to collect from your insurance company to recoup your damages that exceed the responsible party’s limits. It’s not expensive to get, Clark says, and can protect you and your family in the case of an accident while walking, running, or riding a bike. You don’t have to be behind the wheel to take advantage of the policies.
All attendees of the workshop will receive a voucher for a free notary and legal consultation from Chain | Cohn | Stiles. Additionally, the personal injury and workers’ compensation* law firm will provide special goodies to attendees.
To register for the workshop, visit the Kern Schools Federal Credit Union webpage here, and fill out the simple form.
And for more information on Chain | Cohn | Stiles, or to contact the attorneys about your case, call 661-323-4000, or visit the website chainlaw.com.