More disagreement with the article.
Regarding Uninsured Motorist Coverage. At least here in California, the coverage is actually Uninsured/under insured motorist coverage. This mean you can easily cover yourself for any amount you wish. How about $500,000.
Now when the other guy hits you and has only $15,000 of coverage...you simply claim for up to $500,000 on your own policy. This is what the policy is for. You are not limited by his coverage...in CA. All your trouble are over. All your medical, pain and suffering etc can be covered.
In fairness to the sticky post, uninsured motorist (UM) is coverage you buy, but at time of claim, your company assigns an adjuster as though the coverage was the other guys. Then your company adjuster fights against the other guys adjuster for the medical. EVERYONE highers an attorney at this point to represent themselves against the "other guys coverage" (your UM coverage) You and your attorney are now, fighting it out if you will, with your own company. You win lose or come away with some sort of settlement based on the merits of your case. If you can prove your loss and future loss then you get lots of money..."Larry Parker got me 1.2 million" For you younger guys this is a quote from a TV commercial for attorney Parker.
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