Personal Injury Update. Are You Underinsured?

Dave was crossing Fifth Avenue when a van knocked him to the ground, ran over his leg, causing multiple fractures to his ankle. Dave was out of work for over a year and had 4 separate operations to treat his injuries. The van only had $10,000 worth of insurance to cover Dave's claims for pain & suffering. Dave's injuries greatly exceeded this amount. Was Dave going to be uncompensated?

According to industry trade groups, over 20% of all drivers do not have any insurance and a larger percentage only have minimum coverage. Your own auto policy has a little known, but very valuable insurance benefit called Uninsured and Underinsured Motorist Coverage. This coverage provides additional benefits which pays you for your own personal injury claims when another driver has limited or no insurance.

Dave's auto policy had Underinsurance coverage in the amount of $300,000. He was able to be fully compensated for all his injuries, pain & suffering, and time lost from work by making a claim for benefits through his own policy.

Avoid the tragedy of being injured and uncompensated. Call your broker & increase your Uninsured & Underinsured Motorist Coverage. The cost is low and will protect you & your family in an accident with a driver who has limited or no insurance.