One of the best ways to protect yourself and your family is to have the right auto insurance. After you read this call your insurance agent and ask if you have uninsured and underinsured motorist coverage. In the insurance business it's called UM/UIM. It works this way. Say you're in a wreck caused by the fault of another driver. If you are hurt and your car is wrecked usually the other person's liability insurance will pay for your injuries and have your car fixed or replaced. But what happens if the other person did not have insurance. Unfortunately it happens too often. 

Personal Watercrafts include Sea-Doos, Wave-Runners and Jet Skis. They are very popular and fun when treated with respect. Trust me, they are fast. Since they do not have a rudder they can not stop like a car and until very recently have no brakes. Here are some safety tips:

1. ALWAYS wear a life jacket. It will save your life and those you love

2  Do not operate them under the influence of alcohol or drugs. (Do I have to say this?)

3. Do not operate them after dark. You can't see and they can't see you.

I have to admit, I really do enjoy riding motorcycles. I have been riding them since I was 14 and the experience it like nothing else. If you just remember two things it is these: Watch Your Speed and Watch The Other Guy.

It's called Medical Payments Benefits.  Ever heard of it? It works this way. If you get hurt at a store, business or any commercial property the owner most likely will have insurance. Sometimes, the reason you get hurt is their fault. If that is the case, then contact a competent injury attorney and discuss your case with them. Sometimes, it may be no one's fault or arguably yours. Hidden inside these commercial insurance policies is a provision called Medical Payment Benefits.

Think of it like this. You can probably change the oil in your car, but not the transmission. If you have been in a car wreck and you have less than $1000 in medical bills you might not need a lawyer to handle your personal injury case. Here is what to do.

First, find out the name, address, number and fax number of the adjuster who has been assigned to your claim. You will need to find out from them your claim number. Make sure any letters you send the adjuster has your name, the date of the accident and the claim number on it.