Legally Speaking- Less-Than-Adequate Coverage
By Bob Mionske
Posted Dec. 12, 2002
I was on a training ride and (literally!) run over by a guy followingme in a pick-up truck. He has insurance, but his policy limit is only $15,000!My medical bills are likely to cost me more than that. My rib cage wascrushed and the doctors say I will be dealing with this for the rest ofmy life not to mention how it will affect my racing career. On top of that,my bike was totaled and I am going to lose income because of this accident.I don't think the driver has much money and I am not thrilled about suinghim personally. Can you help me?
The driver only has $15,000 in total liability coverage? That won'teven replace your lost prime money on the master's racing circuit nextseason, will it?Okay, don't worry yet. If you drive an insured vehicle it will likelyhave Uninsured/Underinsured (UM/UIM) motorist coverage. UM coverage allowsrecovery from the costs of damages and injuries resulting from being hitby an uninsured driver (or hit and run driver). UIM coverage will pay fordamages that exceed the amount of coverage carried by the underinsureddriver (the guy drafting you in the pick-up).
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