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August 14 is National Paper Cut Awareness Day in the US. Paper cuts are strange injuries: despite being fairly shallow and minor, they can be extremely painful. Why are paper cuts so universally painful? Tegner-Miller Insurance Brokers compiled the following facts about why paper cuts can be so excruciating.
1. Why do paper cuts happen so easily? Skin is fairly strong against pinpricks due to its collection of randomly oriented collagen fibers. However, the random array of these fibers makes them more susceptible to cuts and gashes. This is why a piece of paper can cut your hand open, but circus performers can lay on a bed of nails and emerge unscathed.
2. Why do these relatively small cuts hurt so badly? Despite being fairly shallow, paper cuts stimulate a large number of pain receptors. These shallow cuts do not bleed much, which leaves pain receptors exposed to open air, increasing pain.
3. Why does paper specifically cause painful cuts? Despite its flat appearance, paper actually has microscopic bumps, ridges and a fibrous surface. This roughness on the paper can increase discomfort. Additionally, paper may be treated with bleach and other chemicals, increasing irritation.
Accidents can be scary experiences. The crush of metal, the shatter of glass, and the squeal of tires can all be jarring stuff. Just as terrifying, however, are the 4 words you dread to hear after an accident: “I don’t have insurance.”
While auto insurance is compulsory in the US, based on a February 2012 report from the California Department of Insurance, nearly 25% of all California drivers are not insured. When an uninsured driver gets into an at-fault accident, the other driver can find himself or herself footing the bill.
In order to help protect yourself from bearing the cost of accidents caused by uninsured motorists, you should purchase uninsured motorist coverage. This type of coverage will help pay for vehicular damage and bodily harm caused by an uninsured motorist. Importantly, this type of coverage can help cover damage caused by a hit-and-run collision (some specific requirements apply to this coverage). While your collision coverage might cover some of the damage to your car caused by an uninsured driver, uninsured motorist coverage will help ensure that you are better protected after an accident.
While uninsured and underinsured motorist coverages are often lumped together in the insurance policy, they actually do different things.
Uninsured motorist coverage will protect you from vehicles that are not insured, while underinsured motorist coverage is important when the at-fault driver does not have enough insurance to pay for the damage. If the other driver’s coverage limits aren’t high enough to cover the damage to your car or person, underinsured motorist coverage can help pick up the difference.
So how much uninsured and underinsured motorist coverage should you buy? It’s a tricky question that depends on your risk tolerance, assets, and state in which you are purchasing insurance. Consult with your knowledgeable broker at Tegner-Miller Insurance Brokers for more information on uninsured and underinsured motorist coverage, and for guidance on how much coverage to buy. Call us at 310-828-9662.