Recently, one of my clients had the misfortune of being in oncoming traffic while a young girl was talking on her cellphone with her boyfriend. The young girl veered into oncoming traffic and struck my client.
When she got out of the car to check on my client, he begged her to call 911 because he was in a great deal of pain (he was suffering from a broken hip-among other things). She screamed and jumped into the car which did not have the emergency brake on, causing it to roll back over my client in the road. She jumped out and said, "Oh no!" She then used her cell phone to call her boyfriend to ask what to do. Either her boyfriend heard my client screaming in the background for medical help or he was smarter than his fifth grade educated girlfriend and told her to call the POLICE.
Eventually my client was able to get his cellphone from his pocket and call 911 and get much needed medical attention. After a week in the local hospital his medical bills from the collision greatly exceeded the dumb girl’s insurance coverage.
This is an excellent illustration for the need in having UIM, or underinsurance, coverage and PIP, or personal injury protection, coverage. There are a lot of dumb drivers out there with minimal limits which in South Carolina is $25,000.00. You don’t want to be on the receiving end of their ignorance and negligence.
Yes, this is a true story.