Underinsured? Whose fault is that?

At least two times a month I get calls from potential clients who have been involved in serious automobile accidents but for whom I can be of no assistance. I spoke to a woman the other day who had been rear ended by a large SUV. She suffered a serious injury to her neck and faces the prospect of multiple surgeries and an inability to work at all in the future. The bad news is that despite the clear liability and substantial damages the person who hit her has minimal insurance coverage. The potential claimant, too, had failed to adequately protect she and her family with the purchase of an adequate amount of uninsured motorist coverage. This woman ended up getting frustrated and mad at me because I could not solve her problem. The problem is that she had failed to adequately investigate and purchase uninsured/underinsured motorist insurance. As I have written many times in the past on my website and in my newsletter this insurance is cheap and frankly is the best deal out there for consumers. If you are a reader of this blog or my newsletter and you have not consulted with your insurance company to find out how much it costs to buy at least $500,000.00 of underinsured motorist coverage then “shame on you.” If you still do not know what I am talking about order my book, “How to Buy Automobile Insurance in Virginia.”