You need to hear about the most important coverage on your car insurance policy. You have  tremendous financial value to your family. Can I convince you of a critical way to protect that value? After being an insurance agent for about a decade and then a plaintiffs personal injury attorney for even longer, I am convinced underinsured motorists-bodily injury (UIM as insurance insiders call it) is the most important coverage on your car insurance policy.

Why would you let someone else choose how much money your family has as a resource if you are seriously injured, or worse, in a car crash? This lesson was driven home for me early in my career. A young husband and father was doing some road work. He had set up cones on the street to indicate traffic flow. He had set the last cone and was headed back to his car. A young woman on her way to a college class was texting while driving and drove right through the cones. She hit him and killed him. He left behind a young wife who was staying home with their two children under 10. He was very healthy. He made a decent living. The damages a jury would be able to see were enormous. But it became an insurance tragedy. The woman had $15,000 of coverage, and my client’s husband had $100,000 of UIM coverage. Focus in on that last bit with me: $100,000 of UIM coverage. There was nowhere else to go, and the coverage became the value of the case. Learning about UIM coverage allows you, dear reader, to avoid an insurance tragedy.