{"id":143,"date":"2019-05-27T23:03:21","date_gmt":"2019-05-27T23:03:21","guid":{"rendered":"http:\/\/ballardinjurylaw.com\/?p=143"},"modified":"2019-05-27T23:11:46","modified_gmt":"2019-05-27T23:11:46","slug":"no-1-way-to-protect-yourself-from-crazy-drivers","status":"publish","type":"post","link":"https:\/\/ballardinjurylaw.com\/index.php\/2019\/05\/27\/no-1-way-to-protect-yourself-from-crazy-drivers\/","title":{"rendered":"No. 1 Way to Protect Yourself from Crazy Drivers"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"> <br>You might be the victim of an auto accident at some point.  And you get hit by another vehicle out on the road and you amass quite a bit of medical bills, pain, suffering, bother, just not good stuff.  Then, come to find out, as we pursue the claim that the other side &#8212; all they have in terms of coverage is like $25 or $30,000 worth of coverage and that&#8217;s not going to get you very far.  <\/p>\n\n\n\n<figure class=\"wp-block-embed-youtube wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" width=\"777\" height=\"437\" src=\"https:\/\/www.youtube.com\/embed\/5vfY7sBwTNk?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<table class=\"wp-block-table\"><tbody><tr><td>And what makes matters worse is if you only have $25 to $30,000 worth of uninsured motorist coverage on your own policy and that&#8217;s called UIM, UIM. And so that part of your policy, not the other side&#8217;s policy, is a special line item on your coverage that you can pay extra for. It&#8217;s called uninsured\/under insured motorist coverage and it&#8217;s that way in California and Nevada.<br> That coverage is for you in the event that the other side does not have any coverage at all. So they&#8217;re driving without insurance or they don&#8217;t have enough coverage to cover all your damages. If my firm is representing you, after we max out the policy for the other side, like if they have just such a small policy, then we turn to your own coverage and we file a UM or a UIM claim against your own insurance policy to try to tap into that coverage. And if you have really, really low coverage there, guess what? That&#8217;s your max. That&#8217;s all you&#8217;re going to get. So if you&#8217;re carrying high liability coverage, which is what pays for the other driver, if you&#8217;re carrying $100,000, $300,000, $250,000 worth of liability coverage, try to pay for, go ahead and get that same amount for yourself so that you cover yourself.<br> That&#8217;s why UM\/UIM is important and since it comes so far down on the line items of what you&#8217;re paying for it, you might think that&#8217;s not important. It is important. That&#8217;s how you protect yourself. Okay? And, I highly recommend that you reevaluate those and find out how much it&#8217;s going to cost. Because I think probably for the amount that it costs and it&#8217;s going to do you a whole lot of good. I guess maybe I&#8217;m making a plug for the insurance companies that&#8217;s going to help them, but it helps you in the answer. <\/td><\/tr><\/tbody><\/table>\n","protected":false},"excerpt":{"rendered":"<p>You might be the victim of an auto accident at some point. And you get hit by another vehicle out on the road and you amass quite a bit of medical bills, pain, suffering, bother, just not good stuff. Then, come to find out, as we pursue the claim that &hellip;<\/p>\n","protected":false},"author":1,"featured_media":148,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[12,1,13],"tags":[],"class_list":["post-143","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-insurance","category-uncategorized","category-uninsured-motorists-insurance"],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/ballardinjurylaw.com\/wp-content\/uploads\/2019\/05\/UIM-Car-Wreck.jpg","_links":{"self":[{"href":"https:\/\/ballardinjurylaw.com\/index.php\/wp-json\/wp\/v2\/posts\/143","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ballardinjurylaw.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ballardinjurylaw.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ballardinjurylaw.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ballardinjurylaw.com\/index.php\/wp-json\/wp\/v2\/comments?post=143"}],"version-history":[{"count":4,"href":"https:\/\/ballardinjurylaw.com\/index.php\/wp-json\/wp\/v2\/posts\/143\/revisions"}],"predecessor-version":[{"id":149,"href":"https:\/\/ballardinjurylaw.com\/index.php\/wp-json\/wp\/v2\/posts\/143\/revisions\/149"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ballardinjurylaw.com\/index.php\/wp-json\/wp\/v2\/media\/148"}],"wp:attachment":[{"href":"https:\/\/ballardinjurylaw.com\/index.php\/wp-json\/wp\/v2\/media?parent=143"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ballardinjurylaw.com\/index.php\/wp-json\/wp\/v2\/categories?post=143"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ballardinjurylaw.com\/index.php\/wp-json\/wp\/v2\/tags?post=143"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}