| Given that in all too many auto accident cases the | | | | the negligent driver's $15,000 policy limit per person |
| seriously injured find that the negligent driver was | | | | will be woefully inadequate, even to pay a fraction of |
| uninsured or underinsured, many drivers are | | | | the medical bills, let alone the client's general damages |
| purchasing "uninsured motorist coverage." While the | | | | and past and future earnings losses. In addition to |
| numbers of uninsured drivers has gone down as the | | | | provide coverage where the other party is uninsured, |
| result of requirements that drivers present their | | | | Uninsured Motorist, UM coverage also covers the |
| insurance information along with their drivers licenses | | | | difference between the amount of the negligent |
| when stopped for traffic violations, more and more | | | | driver's policy and the policy limits of the UM |
| carry only the "statutory minimum" $15/30,000 auto | | | | coverage. |
| liability policies. If the client has been seriously injured, | | | | |