Don’t skimp on automobile insurance — your kids may be the ones who need it after a serious car accident

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Don’t skimp on automobile insurance — your kids may be the ones who need it after a serious car accident

Don’t victimize your kids by skimping on auto insurance!

ben-schwartz-working I have had a number of Delaware car accident personal injury and wrongful death cases recently where parents unknowingly harmed their kids by skimping on auto insurance. Here are a few examples:

1. The mother insured her vehicle with a Delaware minimum limits ($15,000) insurance policy. Her boyfriend was driving her somewhere in her vehicle. He ran a red light and pulled out in front of an oncoming truck. She was killed. Her children split a $15,000 insurance settlement. They each got about $3,000 for the loss of their mother.

2. Dad bought auto insurance for his son’s vehicle. He waved uninsured motorist coverage. Son had a very severe accident with an uninsured motorist. Not only did Son not get anything from the at-fault driver who was uninsured, but he got nothing from his own insurance company either. He could have had a million-dollar Uninsured Motorist claim if Dad hadn’t waived coverage!

3. Dad had a $300,000 auto policy. When son turned 16, Dad bought him a vehicle and set up a new policy with a $100,000 limit. Son was then in an accident with catastrophic injuries. When they made claims with the insurance companies, they found out that the son was excluded from coverage on the Dad’s $300,000 policy. They thought he would have been included so that the son would have the benefit of both policies, but he wasn’t! The $100,000 limit was nowhere near enough to even begin paying medical bills.

These are just three examples of how insurance companies have taken advantage of parents who didn’t take the time to learn about what they were doing. The insurance companies were happy to accept the policy premium payments from the parents, but when it came time to pay out to the kids for their losses from these very serious Delaware car accident cases, the insurance companies didn’t have to pay what they should have.

In the rush to get you to switch from your insurance company to theirs, the insurance companies cut out all types of important coverage. They leave you with a policy that does not provide you the coverage that you need.

When you buy discounted auto coverage, you should know that you may be leaving your kids hanging (as well as yourself). Rather than spending 15 minutes to try to save 15% on your auto coverage, why not visit a qualified insurance broker? Have the insurance broker review your coverages with you to make sure that you understand what you’re getting… and more importantly, understand what you are not getting.

Ben Schwartz

 

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