Everyone’s heard of defensive driving—being on the lookout for dangerous situations so drivers can avoid them before a wreck happens. What happens, however, when a wreck occurs in spite of best efforts at defensive driving?
If another driver negligently caused the wreck, the injured person can make a claim against that driver’s insurance company. What if the other driver has no insurance or too little insurance to cover the medical expenses, lost wages, pain, and suffering that result from serious injuries?
In those situations, the negligent driver probably does not have enough money or assets to compensate a seriously injured person. Injured persons who have practiced insurance self-defense can turn to their own insurance companies’ uninsured or underinsured motorist coverage for compensation.