Our client, a 24 year old male, suffered a fractured vertebrae in his mid spine. The other driver had insurance, but only $100,000.00. Fortunately, we were able to turn to insurance policies owned by our client and his family members to provide additional coverage. This process is known as underinsured motorist (UIM) coverage stacking. It is not always possible, and depends on circumstances, policy language, and the coverage amounts for each policy. This case is a good example of a wrongdoer having insurance, but simply not enough to cover a serious injury case. It's also an example of why we advise our clients to buy as much uninsured motorist coverage as possible.
DISCLAIMER: The results are specific to the facts and legal circumstances of each of the clients' cases and should not be used to form an expectation that the same results could be obtained for other clients in similar matters without reference to the specific factual and legal circumstances of each client's case.