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Many consumers do not know what the insurance agent is selling when they buy “full coverage.”  Recently we had a client with “full coverage” insurance that was hit head on by an uninsured driver.  Our client’s injuries were catastrophic.   After three days in intensive care our client now faces a series of surgeries.  Hospital and doctor bills will surely exceed $100,000.

When we examined the policy, we found our client only had $25,000 in uninsured coverage.  This is not going to be enough to begin to pay for the hospital bill, let alone his lost wages.  Insurance agents do not want to sell higher limits of insurance because their exposure is so much greater in a case of catastrophic injury than if the policyholder only had low limits.  With low limits, the insurance company can just pay their limits and leave the policyholder out to dry.

We all need to pitch together to educate our friends and family that high limits of car insurance is the best buy on the market.  We need to lobby our legislature to raise the minimum limits of insurance.  Without adequate limits of insurance the burden of paying for medical expenses is shifted to the public through public assistance, rather that the insurance companies.

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