uninsured motorist protections Archives - Spencer Insurance Agency, Inc

Itching to Get that Motorcycle Out of Storage?


The snow is melting, the cold days are leaving us, and the summer sunshine is right around the corner.

It’s time to take your motorcycle out of storage. Did you know that Spencer Insurance represents companies that write motorcycle insurance? Why not trust your motorcycle insurance to the people you trust with your auto, home and life insurance? Call us today at 215-885-2200 to get a motorcycle quote or check out our website at http://spcr.in/motorcycle.

Before you jump on your motorcycle check out this Pre-Season Riding Checklist provided by the State of Michigan. Good information to ensure a safe ride. If you are not familiar with the Pennsylvania Law concerning motorcycles check out the State of Pennsylvania’s Motorcycle Website. This site provides information on the 2014 Motorcycle Permit Law, how to obtain a Motorcycle license, and safety tips.


1 in 7 drivers Uninsured!

A recent article in USA TODAY reports on a study that estimates that 13.8% of drivers allow their car insurance to expire even though car insurance is mandatory in most states!

How much Uninsured and Underinsured Motorist coverage do you have on your car insurance policy?

Many insurance companies do not want you to have high limits and often only offer minimum limits which you can increase for an extra premium.  They don’t want to pay out for
high claims.  Last year our agency had two uninsured motorist claims each totaling over $300,000.

I am amazed when I review prospective client’s car insurance policies and find out they have $500,000 of liability coverage and only $15,000 of Uninsured Motorist/Underinsured Motorist coverage.

What is Uninsured/Underinsured Motorist coverage?  Why is it important?

This coverage protects you when you are in an accident, seriously injured and the other party is  at fault.  You have serious injuries which may impact your income and you sue the other party to find they have no insurance or state minimum limits.  With the proper Uninsured/Underinsured Motorist protection you will recover damages for these types of injuries from your car insurance carrier.

Don’t be surprised if your company or agent is hesitant to offer you more coverage in this area.  They don’t want to pay for claims when you are not at fault.

However with more people unemployed and in financial difficulty, many are now dropping their car insurance policies because they cannot afford them.

As the article in USA TODAY shows you need this valuable protection.  To read the article click this link: http://www.usatoday.com/news/nation/story/2011-09-11/uninsured-drivers/50363390/1

Don’t be caught short today.  Call your agent today to make sure you have the proper protection.  For more insurance tips, check out our website at:  http://spencerinsurance.com/resources.html.