Make Sure You are Covered

Q. I was involved in an auto collision where I was not at fault. The driver who was at fault had minimal liability coverage, but my medical bills alone are more than that amount. What do I do?

A. Sadly, the answer to this question for many people would be, “There’s not much you can do.” Hindsight is 20/20, but the best answer to this question is to make sure you are covered before you are involved in this scenario. The minimum amount of auto insurance coverage that is required in many states is often not enough to cover all of your losses. On top of that, sometimes people will drive illegally with no insurance at all. It is very important that you be prepared for the unfortunate event in which you are a party to a collision where there is not enough, if any, liability coverage to make you whole after the wreck. It is important that you talk to your agent about “Uninsured” and “Underinsured” coverage.

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