I have written about insurance coverage before, but I have recently had a lot of callers who have had an accident and who have no idea what their insurance coverage is. Most of them are unhappy to learn that they do not have as much coverage as they thought. Why does this matter? Well, most car accident victims who have injury cases have to look to their own insurance policies for coverage, specifically the uninsured or underinsured coverage limits. Quite often, the other driver who is at fault in the accident has only $25,000 in coverage. If the injury case has a value of more than this minimal coverage, the injury victim has to look to their own insurance policy. Do you know what your coverage is? Some people have lower limits for their uninsured motorist coverage. This makes no sense as you are limiting your own recovery in the event of a car wreck where you are injured. Everyone should have at least $300,000 coverage per person, including uninsured motorist coverage. Whether you are in Charlottesville or Virginia Beach, your odds of being in an accident with someone who has little or no coverage are pretty much equal. So protect yourself and make sure you have adequate coverage. By the way, I don't sell insurance. I just have to inform injured people that their coverage is inadequate for their injuries. And that is not much fun.
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Serving Virginia, including Albemarle, Charlottesville, Fluvanna, Louisa, Madison, Nelson, Orange, Staunton, Waynesboro
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