nmoira Posted September 6, 2012 Share Posted September 6, 2012 This summer my eldest was hit in a marked crosswalk and is still recovering. She is going to be ok, but it's of course been terribly hard on her and, to a lesser degree, the rest of the family. The driver was under-insured, but we fortunately have under-insurance coverage on our auto policy. If we didn't have our own car insurance, we would be paying out-of-pocket (after health insurance and Oregon PIP). Laws vary by state, so this may not apply to you, but please check you car insurance coverage for two things: (1) Under-insured motorist coverage will protect you if someone in your family (even as a pedestrian) is injured by another vehicle whose driver has minimum and insufficient coverage. In Oregon the minimum required coverage for personal injury is only $25,000. (2) Your own policy's personal injury coverage. In most cases its a relatively small increase to bump up the coverage to $500,000. We were lucky that our agency refuses to sell policies with minimum personal injury coverage. Insurance companies that aggressively market their cost savings will rarely tell you that for only a little bit more you can significantly increase your coverage. Quote Link to comment Share on other sites More sharing options...
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