However, we have also had multiple victims of accidents come to our office where the other driver had no insurance. In most of these cases, our potential clients failed to purchase Uninsured Motorist Bodily Injury coverage. In those cases, we were forced to turn these victims away because there was nothing we could recover for them.
It is always very sad to tell someone that the person who crashed into them had no insurance. Then, to inform them that their own agent convinced them not to purchase UM (Uninsured Motorist Bodily Injury) coverage, leaving them with no source of recovery, is often heartbreaking. They have been victimized twice: by their own agent and by the uninsured driver. Many times, these people are the victims of a hit-and-run driver.
I tell you this in this blog because I don't want you to be victimized twice. Sometimes accidents are unavoidable. Sometimes you will be hit by a hit-and-run driver. You cannot control that. What can be controlled is how your agent treats you. Your insurance agent should never ask you to reject UM. Be very wary of anyone who says you should save money by rejecting UM. If your agent suggests this, your agent is acting against your best interests. You should run, not walk, away from that agent to one who will look out for your best interests and the best interests of your family.
As a personal injury and auto accident attorney, I am a huge proponent of buying a lot of insurance. Insurance companies may be difficult to deal with and they may try to avoid paying claims that they should pay, but if you don't have the coverage in the first place, you have no chance of a recovery. All too often, we hear from our potential clients that they were told to reject UM coverage by their agent. It is an epidemic. Do not let it happen to you.
Feel free to contact our office for a referral to an insurance agent who will not do such a thing to you. We will be happy to help.