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3 3 3 IF YOUR FAMILY IS HURT IN A CAR ACCIDENT - YOU COUNT ON THE INSURANCE COVERAGE YOUamp;#39;VE PAID IN TO YEAR AFTER YEAR. YEAR. BUT YOU COULD LOSE OUT ON A LOT OF MONEY BECAUSE OF A CLAUSE YOUamp;#39;VE PROBABLY NEVER HEARD OF 3 3 TARGET 8 INVESTIGATOR SUSAN SAMPLES HAS WHAT YOU NEED TO KNOW ABOUT SO-CALLED amp;quot;STEP DOWNS.amp;quot; 3 STEP DOWN PROVISIONS DONamp;#39;T IMAPCT THE LIFETIME MEDICAL COVERAGE WE GET THROUGH NO FAULT. BUT THEY CAN HAVE A HUGE FINANCIAL IMPACT WHEN THEY BLINDSIDE FAMILIES ALREADY BLINDSIDE FAMILIES IMPACT WHEN THEY BLINDSIDE FAMILIES ALREADY DEVASTATED BY A CRASH.. 3 WHEN IT COMES TO PROTECTING OUR FAMILIES ON THE ROAD - WE GO BEYOND BUCKLING UP.. AND WE ASSUME THAT THE COVERAGE WE PAY FOR WILL BE THERE FOR US IF DISASTER HAPPENS. HAPPENS. amp;quot;AT THE TIME I HAD NO CLUEamp;quot; THATamp;#39;S WHAT CINDY RUZAK THOUGHT SHE AND HER HUSBAND JAY RUN A Bamp;amp;B AND VINEYARD NEAR TRAVERSE CITY BUT THAT DREAM LIFE NEARLY ENDED