Injuries happen in car accidents far more often than in any other type of accident- plain, train, industrial, boat, etc. If you are injured in a car accident, you usually have more than one source from which to collect your medical expenses, lost wages, pain & suffering:
- One source may be your own health insurance and disability insurance
- Another source may be the personal liability coverage of the other driver, if the accident was his fault and if he has insurance with adequate limits of liability.
- The third source is the uninsured/underinsured motorist coverage on your own auto policy. If you are injured in a car accident and the other driver is at fault but has no auto insurance or inadequate liability limits you may recover medical expense, lost wages, pain and suffer from you own personal auto policy with this coverage.
We recommend buying as much protection for you and your family members injuries (as caused by another) as you buy to cover the injuries you yourself cause to someone else. In other words buy the same Uninsured/Underinsured Motorist coverage limits and you buy for liability insurance (bodily injury).