What changes take effect Nov. 1?
Several things. — Underinsured motorist coverage becomes mandatory. Motorists must carry coverage of $100,000 per person and $300,000 per accident. This covers you if you are hurt by another motorist who doesn’t have enough insurance. — Minimum uninsured motorist coverage increases to $100,000 per person and $300,000 per accident. The minimums now are $25,000 and $50,000. — Minimum medical coverage increases to $10,000 from $1,000. Consumers must provide a written rejection for this higher level of coverage if they don’t want it or cannot afford it. — For umbrella liability policies, insurers will be required to provide written offers of uninsured and underinsured coverage. Previously, no written offer was required. An umbrella policy provides broad coverage for liability above and beyond the liability limits covered by an underlying auto insurance policy. For umbrella policies already in effect that do not include uninsured or underinsured motorist coverage, insurers must provide
