"Why should I use MY insurance or have to pay MY insurance back? It wasn't MY fault!"

"You've got health insurance - you don't need medpay . . ."

It's Just a Scratch

"It's okay, you're fully covered"

THE OWNER/OPERATOR POLICY - Another reason to carry Un-insured Motorist/Under-insured Motorist ("UM/UIM") and medpay!

Subrogation- What is it?

Uninsured/Underinsured (UMBI) Motorist Coverage