You may do everything right when driving. You may come to a complete stop at every
stop sign. You may never drive over the speed limit for any reason. You may even be a
professional driver and have a perfect driving record. For these reasons, you may have convinced
yourself that you do not need a high liability limit on your insurance policy because you believe
that you will never be in a motor vehicle collision.
But even if all of this is true, and even if you are a perfect driver, you can still be
seriously injured in a motor vehicle collision caused, for example, by an uninsured, drunk driver,
in a scenario where you are unable to take corrective action in time to avoid a collision.
Accidents happen, and some accidents are unavoidable, even if you are an impeccable driver and
have a perfect record. If you have a low liability limit, then your uninsured and underinsured
policy limits will generally also be low because they generally follow your liability limits. These
parts of your insurance policy are important because they provide coverage in the event that a
driver who causes you injury either has no insurance or does not have enough insurance to fairly
compensate you for your injuries. If another driver is uninsured or has minimum liability limits,
then you may end up in an unfortunate situation where you are unable to receive any
compensation for your injuries, even though you were seriously injured.
You deserve to be compensated for your injuries when they are caused by another driver
or other party. But for you to be fairly compensated there must be adequate insurance money
available or the other party must have collectible assets. Many drivers on the road today carry
minimum policy limits and have no collectible assets. Some drivers are uninsured. You cannot
control whether a driver who hits you has insurance, or how much that driver has in liability
limits, or whether that driver has collectible assets. When it comes to how much money is
available to compensate you in the event of an injury caused by another driver in a motor vehicle
collision, you can only control how much you have in uninsured and underinsured policy limits.
Protect yourself by carrying ample uninsured and underinsured insurance policy limits. If
you have questions or concerns about how to select appropriate policy limits for you, contact a
personal injury attorney today at Clarke Griffin, LLC. We hope that you are never injured in a
motor vehicle collision, but if you are and the other driver is uninsured or underinsured, then you
will be glad that you took steps to provide yourself with a better opportunity to be fairly
compensated for your injuries.
