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Weber County teen narrowly escapes death will his parents escape financial ruin?

One Sunday afternoon I received a call from my mother crying as she told me. “Your brother has been in a serious auto accident.” Tears filled my eyes as she began to tell me what had happened. Last night while driving home he fell asleep at the wheel. He is in critical condition; his lungs and kidneys are damaged, his leg is broken along with several ribs. His ear was nearly ripped off. His condition is so critical the doctors don’t know if he will make it, and if he does he will spend several months recovering in the hospital.

After multiple surgeries and hundreds of prayers, he made a miraculous recovery. In a months time he was able to return home, however that was only the beginning of a long recovery from the auto accident.

It has been a few years now and though he may never fully recover from the accident, he was given a new lease on life and we are all grateful for that. I have since learned that my parents barely escaped a financial catastrophe they may never have recovered from. The other man involved in the accident suffered nearly $50,000 in bodily injuries and property damage. My parent’s auto insurance company paid for his damages; however my brother suffered nearly $500,000 in bodily injuries.

The damages were one sided because of the size of the automobiles involved in the accident, one being a small two door car and the other a full size truck. If my brother would have been driving a full size truck the other man’s damages would have exceeded my parent’s auto insurance limits. What would have happened? The auto insurance would have paid $50,000 which would have fulfilled their obligation, and my parents would have been left with the remaining balance to pay out of there own pocket. Why? Because the limits stated in the policy are just that, limits of liability.

Too often people pay their auto insurance premiums without being informed of what they are buying. The biggest problem is when we are buying auto insurance we ask the wrong questions. We ask how much will my auto insurance policy cost. When we should be asking if I killed or injured someone in an accident how much coverage do I have? And is it enough? When you ask an auto insurance company to give you the cheapest auto insurance price, the least amount of auto insurance coverage is what you will get.

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