About Vehicle Insurance Coverage

Accident Attorneys Provide Guidance

Insurance Coverage

The injury lawyers at Metier Law Firm, LLC are concerned that drivers are not “FULLY COVERED.” While “full coverage” is a term thrown around by insurance companies, it is often misunderstood. We find that many drivers are underinsured, or even worse, have no insurance whatsoever. All too often, the people causing crashes do not have enough insurance to cover the injuries of the other driver. This information is designed to give you suggestions on the COVERAGES YOU SHOULD HAVE, INCLUDING UNINSURED AND UNDERINSURED COVERAGE, so that you are truly “FULLY COVERED.” These coverages are very important to you if you are injured. Without them, you run the risk of never being fully compensated if you are ever involved in a crash.

Please take this information to your insurance agent and review your coverages with that agent. If you do not have these coverages, we strongly urge you to consider getting them or coverages as close to the ones listed below as possible, so that if you are ever in a crash, you can be adequately compensated.

Liability Coverage

Each Person Each Accident
Bodily Injury Limits $250,000 $500,000
Property Damage Limits $25,000
Medical Payments $25,000+

Uninsured Motorist Coverage

Each Person Each Accident
Bodily Injury Limits $250,000 $500,000
Property Damage Limits Equal to value of vehicle

Collision and Comprehensive Underinsured Motorist Coverage

Each Person Each Accident
Bodily Injury Limits $250,000 $500,000
Umbrella Coverage with UM/UIM Coverage $1,000,000