Categorized | Opinion

Driving While Uninsured

By David PeelDavid Peel

Despite the law, many drivers do not carry liability insurance on their cars.
Your uninsured motorists coverage on your car insurance is what pays you if they cause you to be injured in an accident.
Yes, you use your own insurance. That is why you have it and you have paid premiums for years to use it.
Here are other common times when your UM is used:
1.    You allow your children to ride home with a coach from practice. The Coach, however, let his son drive his Dad’s old truck, but he had been excluded from his Dad’s insurance policy due to speeding tickets.
2.    You are hit on I-40 by an 18-wheeler and run off the road. The truck never stops. (They cannot usually feel hitting something as small as a car.)
3.    You are riding with a friend who loses control and flips over in a ditch. They have insurance but forgot to the pay the bill, and it had just lapsed.
4.    You are rear-ended by a car at a stoplight. As soon as you get out, the police come and arrest him. He had just car-jacked the car from a parking lot.
5.    You are driving home and an unknown car sideswipes you and you hit two other vehicles filled with children. The unknown car flees the scene and is never located.
6.    You are asked by your elderly mother to drive her to the store. While on the way, a young man hits you both broadside. He has no insurance. Your mother has lately forgotten to pay bills and has none either.
7.    Your son goes to get the newspaper out of the neighbor’s driveway for a favor and is hit crossing the road by an intoxicated driver who waved him on and then hit the gas instead of the brake. He had no insurance because no one would sell him any insurance with five DUI’s on his record.
8.    You have bought $100,000.00 in UM because of this lawyer that writes columns for the newspaper always recommending it. The fellow that rear-ended you has only minimum $25,000.00 limits and you have $50,000.00 in just medical bills.
In all these cases, your Uninsured motorists is going to be acting just like they insured the other driver. That is where you will get the medical bills, lost wages, pain and suffering, emotional distress and loss of enjoyment of life.
Without it, you will be left without this recovery. I recommend at least $100,000.00 UM limits. It is a very cheap part of insurance. Ask your agent today.
After all, it only helps you, your family and those in your car.
Peel seeks justice for those injured in car accidents, work place incidents, medical malpractice, and nursing homes. He often addresses churches, clubs and groups without charge. Peel may be reached through wherein other articles may be accessed.

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November 2013
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