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So you are having troubles sleeping?  Read on.  Let's face it, talking or in your case reading about insurance is about as much fun as watching paint dry.  Woody Allen once said, "There are things worse than death, Have you ever spent an evening with an insurance salesman"?.

Personally I have never cared much for insurance folks.  When I think about a typical insurance agent the image of a "triple Cleveland" comes to mind.  What's a triple Cleveland say you?  A triple Cleveland is when you wear white shoes, a white belt and a white tie.  Are you with me so far?

Ok, now that I have ripped on insurance folks including myself, there are some very important things you should know about your insurance.  I can tell you first hand both as a victim and agent that most of you are at risk.  Let me start by sharing a common truth with you.  The only insurance you can count on is yours.   It may surprise you but in many states you don't have to carry motorcycle insurance and in Illinois you are only required to carry $20k of liability insurance.   

What does that mean to you?  Let's use me as an example.  A few years back, I was hit head on by a minivan.  The accident broke my ribs, collar bone and made my head look like something out of a science fiction movie.  I spent a few hours in the emergency room where they ran multiple tests.  My bill was $14,000.  What would have happened if I had to spend a few days in the hospital?  What if it was more serious?   We see six figure medical bills quite often for serious accidents and if the person at fault does not have sufficient insurance coverage you should make sure you do.  The coverage I am talking about is called Uninsured or Underinsured Motorist coverage.  If you don't have it on your policy call your agent and get it.  This is the portion of your insurance that makes up for any deficiency the other persons insurance may have.

There are quite a few other components of your insurance you should know.  Since I only have 400 words here you will have to wait until the next installment.  Are you protected?  Don't hope so, know so.  Call your agent.  My name is Dean Akey and I sell insurance without a triple Cleveland.  If I can help you please give me a call.  You can reach me at 877-232-9899.