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Call 1-800-279-4010 for a free insurance consultation.

A member calls Member Benefits. He has been in an accident while riding with a friend. The member sustained head trauma as a result of the accident and spent three days in the intensive care unit and expects to miss at least two weeks of work. Problem: His friend is underinsured. His insurance policy only had liability coverage of $25K per person/$50K per accident (state required minimums) and $10K of medical coverage. This means there is only $35K worth of coverage to pay our member’s expenses, which easily exceeded that amount. Solution: Fortunately, our member included $250K worth of Uninsured Motorist/Underinsured Motorist (UM/ UIM) coverage in his own auto policy with Member Benefits.* Without this coverage to fall back on, he may have been forced to sue the friend to recover any medical bills, pain and suffering, or lost wages. UM/UIM coverage covers situations including: • Bodily injury that you, your family, and other occupants of your vehicle incur when hit by an uninsured or underinsured motorist or hit-and-run driver. • You and your family if injured as a pedestrian when struck by an uninsured motorist or hit-and-run driver. UM/UIM coverage also covers: • Lost wages • Medical costs • Rental car • Property damages • Pain and suffering • Emotional distress • Future wages if your career is negatively impacted because of the accident * The $250k policy limit would be reduced by the amount covered by the policy of the underinsured driver.

TAKE THE PLEDGE Distracted driving kills and injures thousands of people each year. • At any given daylight moment, 660,000 U.S. drivers are using their phone while driving. • 1 out of 4 teens responds to at least one text message EVERY TIME they drive. • 9 Americans are killed every day due to distracted driving. • 10% of parents admit to having multi-message text conversations while driving.

• Texting drivers take their eyes off the road an average of 4.6 seconds, which at 55 mph means they drive the length of a football field without looking. (Source: CQ Researcher.) Visit and for videos, statistics, and a pledge form to not text and drive. (Warning: Some videos are very graphic.)

I pledge to: b Protect lives by never texting or talking on the phone while driving. b Be a good passenger and speak out if the driver in my car is distracted. b Encourage my friends and family to drive phone free. Continued on page 9: “Gadget Mishaps Happen”

This article is for informational purposes only and is not intended to constitute legal, financial, or tax advice. Certain recommendations or guidelines may not be appropriate for everyone. Consult your personal advisor or attorney for advice specific to your unique circumstances before taking action. Property and casualty insurance programs are underwritten by WEA Property & Casualty Insurance Company. The terms and conditions of your coverage are exclusively controlled by your written policy. Please refer to your policy for details. Certain policy exclusions and limitations may apply.

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Your$ Magazine -- Winter 2016  

Protecting what’s important: What you don’t know may prevent you from protecting what you value most. Also in this issue: Learn the benefits...