We will try to keep this blog from solely being about insurance coverage, but we ran into the issue again yesterday. We were retained to represent a pleasant young lady that was seriously injured in a car wreck that was not her fault. Based on the insurance company for the negligent and wanton driver, we expect the insurance limits to be only $25,000.00. Unfortunately, our client’s UM/UIM limits appear to be only $25,000.00. $50,000.00 sounds like a large sum of money, but we expect this young lady’s medical bills to easily far exceed that amount. We urge all of you to consider raising your UM/UIM limits.
We recommend $250,000, but not everyone can afford this. You should at least make sure that your UM/UIM limits are at least as high as your liability limits. In the case of our client, her liability coverage was $50,000.00. If she was negligent or wanton and injured someone, that other person would have up to $50,000.00 of insurance to cover medical expenses, lost wages, and other damages. If you have any questions about UM/UIM coverage, watch the below video or give us a call.