What’s Wrong with Minimum Coverage?
You get rear ended while waiting at a stop light. Your neck flies back into the headrest, and then you are slammed forward and hit your head on the wheel.
You may have a concussion, so the ambulance that arrives takes you to the hospital after the EMT’s check you out. While there, you get a CT scan, and you are instructed to follow up with a neurologist to make sure you don’t have a head injury.
Your neck and back also hurt, and it’s painful to even sit or walk at work. You’ve been referred to physical therapy, which might go one for weeks or months, during which time you will lose thousands in pay from your missed work.
You feel that you deserve compensation for your medical bills, your lost wages, your pain and suffering, and the inconvenience of it all.
You Decide to Get a Lawyer.
You make the decision to get a personal injury attorney. After evaluating your case, they advise you that your claim is almost certainly worth far more than $5000 and that you need to complete your healing before they continue negotiations with the insurance company.
At your neurology appointment, you find out that your continued headaches and dizziness are the result of a concussion that you sustained, and need to undergo rehabilitation.
The orthopedic surgeon that your physical therapist works with orders imaging and diagnoses you with cervical sprain, thoracic sprain, and lumbar sprain.
You undergo months of physical therapy, multiple steroid injections, and follow up CT scans.
After six months of this, you are finally starting to return to your condition before the crash.
But Wait. The Other Driver Has A State Minimum Policy.
Your lawyer discovers that the other driver bought the cheapest insurance that they could find and ended up with a state minimum coverage policy.
In Maryland, drivers are only required to have $30,000 in liability coverage per person injured.
This is starting to sound bad for you.