03 November 2008
For over twenty years my firm has been writing to clients about auto insurance. The purpose has been to inform consumers that they purchase enough coverage to protect themselves not only from a lawsuit but in the eventuality that the at-fault driver has no insurance or insufficient insurance. This requires having enough protection under three coverages: Bodily injury to others; bodily injuries cause by an Uninsured auto; and bodily injury caused by an Underinsured auto. For each of these parts, the minimum amount set by each of the states may not be enough to protect you and your household members. Uninsured and Underinsured coveragae come into play when there is no insurance or little insurance on the so-called tortfeasor. Often this is referred to as “U Coverage” and it should not be ignored.
You should also be alert to certain insurance company defenses:
Obviously each state has its own laws and nuances. It is best to discuss these issues with someone who is informed in your state and can advise you accordingly.