I recently settled a case that highlights the need for every driver to have enough under insured motor vehicle insurance coverage for crashes that cause serious injury. My client was a healthy younger man who was rear ended by another car. The force of the crash injured my client’s lower back to the extent that he required low back surgery. The at fault driver’s liability coverage was $50,000.00. This amount of coverage was not enough to pay for my client’s medical bills, his likely future medical bills, time off of work, the amount of pain, the length of time he had to endure the pain and the interference the pain has had and may have in his life.
Fortunately, my client had $100,000.00 of under insured motor vehicle insurance coverage on his own vehicle that he could make a claim on in addition to the $50,000.00 he recovered from the at fault driver. Some people might think that making a claim against their own insurance may cause their premium payment to go up. However, this is not the case because you purchase under insured motor vehicle coverage for this very purpose. The insurance company would be acting in bad faith if it raised your premiums for making a claim for benefits that it agreed to pay in the event a legitimate claim is made.
Therefore, make sure to review your under insured coverage with your insurance company. You should have at least $100,000.00 in under insured motor vehicle coverage, and in many cases much more than that. If you have been in a motor vehicle crash and have any questions, contact Scott Lythgoe for a free consultation today. Mountain View Law Group 801-393-5555.