Episode 03 | The Hidden Insurance Policies You’re Not Being Told About

Описание: Insurance limits can be the difference between “covered” and “on your own.”

This episode breaks down everything you need to know about limits — what they actually mean, how property damage and bodily injury coverage work, and why “extra” coverages matter more than most people realize. You'll learn how the law can help you uncover all the policies that might apply to your case (and even put more money on the table for your claim).

Topics Discussed:
Introduction (00:00)
What are insurance limits? (01:20)
Liability limits: property damage coverage (02:07)
First-party coverage vs. third-party coverage (03:26)
Bodily injury coverage + Colorado state minimum (06:49)
Per person vs. per accident coverage (08:50)
UM/UIM coverage: the “second bucket” (10:38)
Additional optional coverages (12:59)
How do you find out your limits and what policies apply? (15:23)
Resident relative coverage (19:03)
How limits impact your case and medical decisions (21:14)
How to access multiple buckets of coverage (23:22)
When to go through your insurance vs. the other party (25:15)

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Produced by Evolved Podcasting: www.evolvedpodcasting.com