Auto AccidentIn my work as a personal injury attorney, I have never had two clients, who were exactly alike–except for one thing: Not one of my clients ever had any idea they were going to be in an accident until the moment it happened. I have never had a client tell me that they woke up in the morning and thought: “Someone is going to run into me today!”

Yet, you are still sitting there thinking: “I don’t need to consider what would happen if I were injured in a collision, because I am not planning to be in a collision.” Nice. That should protect you.

The truth is, there is not much you can do to prevent someone from hitting you. But, there are some things you can do to be better prepared if a collision does happen, and cannot be done after it happens.

I am talking (again) about having uninsured and underinsured motorist coverage. I have written before, and will again, about all the different types of coverage you may want to have in your policy—but, next to liability coverage, this is the most important.

Uninsured and underinsured insurance covers your claim for medical bills, income loss, and other harms that result from an injury that another driver causes you, if the other driver does not have enough insurance to cover your losses. Many accident-prone drivers have no insurance; others carry the minimum required by law–$15,000.00. How far do you think that amount goes in covering an injury claim? Not very far. So, the chances of you needing to use your uninsured or underinsured coverage is very high.

Uninsured and Underinsured Motorist coverage is not required to be included in your policy. If you do not choose it, and pay for it, you will not have it. If you do not have it, the financial and other consequences of being hit and injured can be much worse than they had to be.


My recommendation is simple–get as much uninsured and underinsured motorist coverage as you can afford. This insurance is not expensive, especially considering the protection it provides you and your family.