Can you afford to pay for everything after a serious accident that wasn't your fault?
We've been writing about the need to increase your uninsured motorist coverage for years now. The simple reason is that UM coverage protects you, your family and your passengers when you're hit by someone without enough insurance to cover you and your family for the damage they caused. Remember, an insurance company only has to pay out their policy limit under the insurance coverage their customer bought. People in the DC area can buy insurance policies with low limits - $25,000 or $30,000.
That won't go very far if they run a red light and crash into you and you need to be hospitalized for your injuries and need surgery, rehab and follow up medical treatment, or can't work and feed your family.
Can you still sue a person with limited insurance coverage? Sure, but they probably don't have enough money to cover everything you need.
Which is why you need uninsured motorist coverage. The coverage, which you buy and is on your auto liability policy, is relatively inexpensive as well.
Here's an old story that illustrates this point perfectly - a tragic bicycle accident death case that illustrates this. A young girl was hit and killed in Richmond - but the accident could have been in Alexandria, Fairfax, PG County - it doesn't really matter. The guy who hit her had minimal insurance and is now in jail because it was a hit and run accident - he must have caused the accident and left the scene. He has no assets and although he may come from a wealthy family, they aren't responsible for his liability because he's an adult.
In a civil, wrongful death case, the only real option for the family was the available insurance coverage. For any car accident or death, that would include uninsured or underinsured motorist coverage and it doesn't appear there was adequate coverage.
Don't get me wrong - I'm not suggesting any amount of money would bring any satisfaction to a parent who has lost a child. Its not possible.
But accident and death cases are also about making up for harms and losses that can be replaced - like paying for medical treatment for a child's lifetime injuries, replacing income that will pay the mortgage, send the kids to college, and help a family get on with life.
Check your insurance policy today.
If you've been in a serious car accident and the other driver is uninsured or indigent, we may be able to help you if you have Uninsured Motorist Coverage.
Call us today at (202) 393 - 3320 to see if we can help with your accident case in the DMV, or if you want to review your own insurance policy limits - we're happy to do that as well! Anything it takes to protect you and your family.