Auto Insurance: The “Full Coverage” Myth

Greg is married and a father of three.  Driving home from work he gets slammed by a distracted driver that blew through a stop sign. After a long hospitalization, two surgeries, physical therapy and two months away from work, Greg contacts a lawyer to help him and his wife.

“Greg,” says his lawyer a week later after a short investigation. “I have bad news: The driver was uninsured and has no assets. Even worse, we can only recover part of the damages for the injuries you suffered because you purchased the minimum UM/UIM coverage.”  This scenario is all too familiar to those of us who help people hurt in car accidents.  The following tips will help you be sure this never happens to you.

Make sure your liability limits are adequate.  If you are at fault and the other driver’s damages exceed coverage, you can be held personally liable.  Experts suggest liability limits of at least $100,000/$300,000 for injuries and $50,000 for property damage. Even more if you own a home or other assets.  Adding relatively inexpensive “umbrella” coverage to your existing liability and UM/UIM benefits for more protection is wise as well.

Consider increasing your UM/UIM coverage limits.  One in eight drivers across America is uninsured, according to the Insurance Research Council.  Many more drivers carry minimum liability; in Alabama this is only $25,000.00. If you are in a serious accident with an uninsured driver, you will need more coverage.

To offset some of the cost of the coverage described above, explore available discounts.  There are many discounts for which you may qualify. Ask your agent for a complete overview of every possible discount.

This is a simplified overview of auto insurance coverage. If you’ve been in an accident, call us as soon as possible to discuss the specifics of your particular situation.

Spring is almost here, make sure you and your car are ready!

Spring in AL

As the spring begins, there are seasonal changes of which drivers should be aware.  Spring is a time for potholes. During the winter, water under the pavement freezes and thaws, eroding the foundation of the road. Potholes tend to form with the constant flow of traffic going over this weakened road. Be aware of potholes so you do not sustain damage to your car.

Spring is also the season for rain. Slippery roads can make it harder for drivers to maintain control of their vehicles. When it is raining, it is a good idea to give yourself extra time to get somewhere, reduce your speed, and give yourself a couple extra seconds to stop as you are driving to avoid a collision.

Hodges settles Madison County wreck case for policy limits

Jeremiah recently settled a Huntsville car accident for the full amount of the tortfeasor’s insurance policy. Our client suffered severe injuries including multiple shoulder surgeries. Our client is very grateful that we were able to resolve the case without filing a lawsuit.

We must not forget that Driving is a Great Responsibility

No one likes to sit in traffic, and we all want to get home after a long day as quickly as possible. However, we must not forget that driving is a great responsibility that, when done carelessly, can have grave consequences. Many drivers disregard other people’s safety while weaving in and out of traffic and driving dangerously. This is not only distracting to other drivers, but significantly raises the risk of an accident. Accidents not only affect the people directly involved, but affect family members and many other aspects of the lives of the people involved. There is not only damage to the vehicles, but there can be physical injuries, loss of time at work and property damage. Please remember, next time you are in a rush, getting to your destination safely is much more important that getting there quickly. If you have been in an accident and need advice, call Hodges Trial Lawyers. Our experienced attorneys can sit down with you and review your case and discuss your options.