Sunday, January 31, 2010
Snow and insurance
Do snow and insurance have anything in common? Of course they do. Here in Charlottesville, Virginia, we were doused with about a foot of snow yesterday. And, when it snows, people drive like crazy, just like always. Unfortunately, there is also a lot of ice around and so there have been a lot of car accidents. Thus, insurance coverage enters the picture. I will confess that I stayed home yesterday because no one plowed my driveway. The kids and I created a wicked sled run in the snow and they caught some serious air using the plastic disc. So I didn't really see any car wrecks, just wipeouts in the snow. But, they made me think about car wrecks. And, I did hear about them, not only here in Albemarle and Charlottesville, but also back in Norfolk and Virginia Beach. This is where the insurance part of the post comes into the picture. You see, most people really aren't that familiar with their insurance coverage. Particularly if there is an injury as a result of the automobile accident and, most particularly if the other driver is uninsured or underinsured. If you are the victim of another driver's negligence and he or she has no insurance, you have to look to your policy. Do you know what your uninsured motorist coverage is in your insurance policy. If you do, high five somebody. If the coverage you have chosen is at least $300,000, give someone a chest bump. If you don't know what your insurance coverage is or if your coverage is just the minimum, take a moment to look at the situation. If you are seriously injured in a car accident, is the amount of coverage you have going to be enough to compensate you for lost wages, for a permanent injury, or for your pain. If you would be happy with receiving the coverage you have chosen, then great. If not, change things around with a phone call to your insurance company. By the way, I don't sell insurance, I just try to protect my injury clients at Wilson & Hajek, www.winjurylaw.com. I will visit this issue again, but for now, enjoy the snow and the rest of the weekend. And, drive carefully!
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This is so true! People do not realize how important their auto insurance is until they suffer serious injury in an automobile accident. Some people just think it is for fixing their vehicle. And for some reason, a lot of people believe they can just sue the person who caused the accident for big dollars. You could, but you probably would never see the money unless they had deep pockets. My mother-in-law learned this the hard way. She was involved in an auto accident where a gentleman ran a red light and t-boned her vehicle. He only had the minimum coverage of $25,000.00 and her policy limit was $100,000.00. As a result of this accident, my mother-in-law suffered a traumatic brain injury and chronic pain in her back and neck. She has had several surgeries and still goes to pain management. Although she does have health insurance, the above amounts do not even begin to put a dent in the additional monies she has had to expend due to this accident. Needless to say, she significantly increased her insurance coverage.
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