There was a horrific DWI accident in San Marcos Friday night. Luis Besa, driving a Chevy pickup, rear-ended a Cadillac that was waiting to turn into a grocery store. The Cadillac was pushed into the other lanes of traffic where it was hit by a GMC pickup and a Hummer. The injuries were significant. Alejandro Perez, a passenger in the Cadillac, was killed. Alfredo Aquino, the driver of the Cadillac, was hospitalized with serious injuries. The drivers of the GMC and the Hummer were also taken to the hospital with injuries.
These types of accidents are scary reminders about the need for uninsured/underinsured motorist coverage, a type of insurance you buy on your own automobile policy to protect you and your passengers from situations where there isn’t enough available insurance to cover your injuries.
Uninsured/underinsured motorist coverage comes into play in many of our cases, but it’s especially important in cases like this one — where there are multiple vehicles involved.
When a person buys insurance, it comes with a limit — the maximum amount that the insurance company will ever have to pay. Starting January 1, 2011, the minimum limits for policies is $30,000 per person/$60,000 per accident. The “per person” limit is the maximum amount that the insurance company can be required to pay to any one person in a collision. The “per accident” limit is the maximum total amount that the insurance company can be required to pay to all parties involved in the wreck.
Assuming Luis Besa had a minimum limits policy, then the two people in the Cadillac and the people in the GMC and the Hummer would be limited to a total recovery of $60,000.00. Given the injuries involved, this would clearly not be enough insurance to cover the injuries sustained in this wreck.
Hopefully, the victims had purchased uninsured/underinsured motorist coverage to help cover their losses.
If you have a question about an uninsured/underinsured motorist caim, please feel free to call us at (512)476-4944.
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