Tough Call On Not Enough UM Insurance

My client called me a couple months ago with the bad news. She had been rear ended by an uninsured driver. I told her that somewhere around 20% of all drivers on the road in Illinois are driving without insurance. Shocking. So my client, after being taken by ambulance to the ER, xrayed and examined there, including an CT Scan because she had hit her head, then treatment and physical therapy by her doctor including an MRI because her shoulder pain wasn’t responding to treatment, called this morning, asking how the claim was coming along.

I’m glad that the injuries weren’t actually worse, it was a bad crash, but the bad news from the standpoint of her claim is that she has coverage for Uninsured Motorist accidents, but the limit is capped at $50,000. That’s less than her medical bills alone! Her case is easily “worth” over $100,000, but $50,000 is going to be the limit that she can receive. She didn’t have enough insurance, UM and UIM coverage specifically, at the time of the crash.

A real life example of what I preach every day. You MUST have enough insurance to cover the unexpected things that can happen to you, your family and passengers if you’re hit by a driver with no insurance or low insurance limits. It’s the most important coverage on your whole insurance policy. I’m happy to give you a free consultation on how much insurance is right and safe to have. No charge, just a good deed for you, just in case.