My short article today has one very simple, boring message. Oh yeah, and by the way, it could be the difference between financial ruin and the chance to recover from tragedy: Call your auto insurance company or agent today. Buy Uninsured and Underinsured Motorist coverage. Lots of it. Sound boring? Seem unimportant compared to the rest of your day’s activities? Maybe even a little surprising coming from me?

First, let me make clear that I am not doing this for the purpose of helping the insurance industry increase its profits. I am not an insurance agent. Don’t work for an insurance company. And, in fact, as a lawyer that helps people who have suffered serious injury or the families who have lost loved ones in an Arizona auto accident, a significant portion of my time is spent in battling the insurance companies. However, I have seen – over and over again – the affect of having, or not having, uninsured and underinsured motorist coverage.

So, what is this coverage, and why is a personal injury lawyer discussing it? I have many clients that have been severely injured while driving or riding in a car, but the car crash was not their fault. However, their medical bills, lost income, and other expenses were very high. Immediately, we turn to the party at fault. But what do we do when the bills and lost income are $50,000, but the other driver has no insurance? What if the at-fault driver has $15,000 of insurance, which cannot even pay $50,000 or more of injury related bills?

Without Uninsured Motorist coverage, the client injured by the driver who carried no insurance is out of luck. And for the client injured by the driver with only $15,000 of insurance, the minimum limits required by the state? Unless the injured person has Underinsured Motorist coverage, they will likely be devastated, financially. In a serious injury case, $15,000 is not even enough to cover the bills, let alone lost income, associated expenses, and other legal compensation. I have had clients with permanent injury seen their lifestyle saved by having this coverage. Unfortunately, I have also seen people devastated financially because they did not have this coverage.

And you know what? It’s relatively inexpensive. The cost of Uninsured/Underinsured coverage, even at the highest limits, is usually a small percentage of what you’re already paying anyway for your insurance coverage.

And, look. If a Phoenix personal injury lawyer is suggesting you buy coverage that benefits may help increase the profits to the insurance companies, you know it is worth looking into!

**Mark Breyer practices with Alexis Breyer as the Husband and Wife Law Team, Breyer Law Offices, handling exclusively injury cases. Mark has been certified by the State Bar of Arizona as a specialist in personal injury and wrongful death, a distinction earned by less than 2% of all attorneys in Arizona.

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