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A certain percentage of drivers let their coverage lapse for non-payment of premiums, or fraudulently obtain an insurance card to get tags on their car by writing a hot check. Accordingly, Missouri law requires that every automobile liability policy include uninsured motorist coverage, to cover the liability of an uninsured motorist for personal injury in an accident. The way this works is that if a driver or occupant of an insured motor vehicle is injured by the negligence of an uninsured motorist, then the insurance company that insures the motor vehicle they were occupying steps into the shoes of the uninsured motorist, to cover their liability to the same extent that their liability insurance would, if they carried it. This is all fine and good, except in a situation where a driver with minimum limits causes injury to a carload (or two) of innocent victims through their negligent driving, and all parties injured are then left to divide up a total of $50,000, a sum which can be woefully inadequate in a situation with multiple injuries. And, unfortunately, in such an instance uninsured motorist coverage is of no benefit, because the negligent driver, while underinsured for the situation, is not an uninsured motorist. For this reason, I always recommend that my clients consider carrying underinsured (in addition to the required uninsured) motorist coverage on their vehicles, for just such a situation. With underinsured motorist coverage, the insureds own company steps in to cover not only a situation where the driver at fault might be uninsured, but also to provide additional limits, where a driver who may be insured, but with minimal limits, causes damages through negligence that exceeds their liability coverage, perhaps many times over. Many times I have seen badly injured parties who were the victims of drivers with minimum limits. Unfortunately, theres often no magic way to be made whole in a typical situation.
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919-937-9674 Durham Lions Club The Durham Lions Club meets at 12:15 p.m. Wednesdays at the Durham Lions Club Scout Center, 1850 Hillandale Road. The meeting includes a buffet lunch, short business meeting and a speaker. Visitors and guests may attend. bit.ly/1NTfht2 Northgate Jams Northgate Malls old-time, bluegrass and country jam sessions are 6-9 p.m. Wednesdays near the malls Center Court, 1058 W. Club Blvd. All musicians are welcome. Thursday Playground plans Residents can view design plans for a new playground รองเท้าแฟชั่นราคาส่ง at Indian Trail Park at a drop-in meeting from 5-6:30 p.m.
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