June 26th, 2012|
Our courageous client, Alice, publically speaks out on-behalf of all victims of car accidents facing the unfortunate truth about Ohio’s woefully inadequate minimum liability insurance. Her news story, entitled “Broken Twice: Woman tries to recover from accident” , was above-the-fold news on the front-page of Sunday’s Chronicle Telegram.
On November 30, 2011, Alice’s legs were crushed when an SUV went left-of-center hitting her Chevrolet Impala head-on. Following an hour-long extrication process, Sheffield Village’s heroic paramedics and firemen were finally able to free Alice’s mangled legs from the wreckage. She was life-flighted to MetroHealth Trauma Center to undergo numerous surgeries to save her life and legs. Due to no-fault of her own, Alice became a six-month resident of both a hospital and rehabilitation, finally returning home, forever crippled, on June 13, 2012.
Alice’s one-year-old son and four-year-old daughter were also in the car. Fortunately, the kids were able to recover quickly. During Alice’s extended stay in medical facilities, she was unable to enjoy the holidays and birthdays with her kids. Alice’s strength and will to recover has her back on her feet again, but with the assistance of a walker. Alice struggles with just about every task that ordinary folks take for granted. However, instead of feeling sorry for herself, she has shown courage to use her story to educate the public about Ohio’s automobile insurance industry profiting off of the rampant sale of low-limits coverage. With low-limits coverage, the insurance companies make more money while having to pay out less.
Alice gives a compelling video that can be shared via social media to educate everyone about the need for adequate uninsured / underinsured motorist (“UM/UIM”) insurance coverage. If you are the victim of a car accident in Ohio, chances are that the person who caused your accident has low-limits coverage or the state-minimum coverage of only $12,500.00. This limited coverage will barely cover the cost of your emergency and/or follow-up care. Before becoming a victim of a car accident, you should pay a little additional money to protect your family and yourself with adequate uninsured / underinsured motorist coverage. In the event that your car is hit by someone with low-limits, then through your own UM / UIM coverage your insurance company stands in the shoes of the person who caused the accident and you and your family can be fully compensated for potentially permanent injuries.
Most people say that they have, “full coverage.” If you do not know what UM / UIM coverage is you probably do not have “full coverage.” You owe it to yourself and your loved ones to learn from Alice’s experience and pay a nominal amount for UM / UIM coverage. Regularly check your insurance declaration of coverage page to see if you have UM / UIM coverage. Check also with your agent or insurance company regarding the cost to increase this coverage. You will be surprised at how little it costs to increase your limits.
If you want to learn more about UM / UIM , read the following blogs “Increase Minimum Insurance Limits Before Any Increase In Speed Limits” and “NPHM Helps Smart Trucker Net An Additional $550,000.00″ Please feel free to contact us today, free of charge, so we can help you review your insurance policy.
Authored by: Trial Attorney / Truck Accident Attorney / Class A CDL Truck Driver – Andrew R. Young, Esquire