After a terrible car accident the driver was hospitalized and then unable to work again for several months. The negligent driver that injured him seriously had only $15,000 of insurance to pay for his losses which were substantial. Choosing the right lawyer to fight for him resulted in a $500,000 settlement which changed his life for the better.

The laws of most states require motorists to carry a minimum amount of insurance. In California, for example, the minimum requirements for insurance are $15,000 of liability coverage to cover possible injury to others, and $5,000 of property damage insurance, to cover possible damage to other people's vehicles. The reality is that this minimum is frequently not enough to cover the losses created by a vehicle accident, whether a car accident, motorcycle accident, or other vehicular accident.

To understand what the difference is between auto insurance policies offered by different companies requires an understanding of a couple of concepts.

A car accident caused by a hit and run driver caused injuries to the driver of this car, but he did not have adequate UM coverage. What does that mean?