 Get smart about your insurance and make sure you have the right coverage and the best premium. This is Jim Gill. Insurance is complicated, and you can find yourself without coverage just when you need it the most if you don't understand what your policy says and what's actually covered. So join us for Get Smart About Your Insurance Mondays here on WRHI 100.1 FM, brought to you by Gill Insurance in Rock Hill, Gill Holler Insurance in Fort Mill, and Auto Owners Insurance Company.