Expect the Best but Plan for the Worst

Written By Charlotte Insurance on February 13, 2020. It has 0 comments.

a couple who hoped for the best but planned for the worst

No one wants to think about the worst-case scenario, and everything that could go wrong. We all want to imagine everything will work out just fine, that nothing bad will ever happen to us or the ones we love. Most of the time, we’re right. But all it takes is one disaster or accident to remind you that sometimes the worst is possible. That’s why good insurance is so important. You don’t want to use it, but it’s there when you need it.

Your First Big Car Accident

You’re a relatively safe driver. You’ve never been in a big accident before, and you always follow the rules of the road. The chances of you getting into an auto accident are pretty slim. Right? Sure, until the roads ice over during the winter and you lose control of your vehicle. You want to stop but you can’t, and you slam into a vehicle ahead of you. Both vehicles are totaled and the driver in the car you hit is injured. Without the right auto insurance coverage, you’ll have to pay out of pocket for vehicle repairs, medical injuries, and, worst of all, a potential lawsuit.

Hard to believe you could get into an auto accident? Imagine it the other way around. You’re minding your own business at a red light, and the vehicle behind you hits you at full speed because they were looking at their phone instead of the road. Their insurance should pay for everything. Except they don’t have auto insurance. With underinsured/uninsured motorist insurance, you’re covered, even when the other driver should pay.

Your Dog Never Bites Anyone

You love your furbaby. He’s never bitten anyone before, and he’s one of the “safe” breeds, so you’re fine. Think again. Maybe your dog gets aggressive with another dog in the neighborhood. Maybe he’s sick or really doesn’t like your new neighbor. Either way, out of nowhere, he’s taking a chunk out of someone else. As the dog owner, you’re responsible for paying the medical costs. Thankfully, the liability insurance coverage of your homeowners insurance policy will take care of it. 

But wait. Your neighbor is really upset and swears they know your dog is dangerous. They decide to sue. You might feel certain you’ll win, but you still need to get a lawyer and go through the process. And you might lose. That’s why you always want enough liability coverage on your home insurance, and for extra protection, an umbrella insurance policy, too. 

You Plan to Live a Very Long Life

Of course we all plan to live as long as possible. It’s hard to imagine our own mortality — which is why it’s so easy to put off buying a life insurance policy. Until you have children, get married, or have any life change that leaves you responsible for someone else. You want to provide for them, now, in the future, and after you’re gone. But it’s still hard to imagine needing life insurance. Isn’t it just throwing good money away? 

Then you hear about an old college friend or a former co-worker who’s been diagnosed with cancer or is in critical condition after a bad car accident. They’re not going to make it, and they’re leaving behind a family and a mortgage. No one knows how their spouse will send the kids to college and pay the bills. Not only will everyone grieve the loss of this person, but their family also has an added financial stress. When we hear of tragedies like this we often think, “That could be me…” You can’t stop tragedy but you can prevent your family’s needless financial suffering. Buy the life insurance policy sooner rather than later.

It’s a hard life to live always waiting for the worst to happen. There’s nothing wrong with being optimistic that things will work out and we’ll live accident-free lives. But you also live in the real world and you know things can and will go wrong. Expect the best, but plan for the worst — with the right insurance coverage to protect your family, yourself, and your home. Contact Charlotte Insurance today for a free quote.

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