Sadly, car accidents are quickly becoming one of the most common causes of
death in this country. Your auto insurance policy could play a huge role in protecting your family.
Be well-informed about the ins and outs of your policy and how it could prevent your family from
financial ruin. When in doubt about your coverage contact your insurance adjuster and after
the policy is written have it reviewed by a car accident attorney.
Fatal Auto Accidents & Uninsured Motorists
There are several reasons for this phenomenon. When the economy slips into a
recession or a downward turn many other things seem to slip as well. One of the first things to
slide is payment of nonessential bills. People become frightened of losing their job and so they
stop paying bills and start saving that money instead in preparation for the worst case scenario in
terms of a financial future. They usually pay only for the things that will sustain them, such as
food and shelter. Most people know that you are required by law to have insurance if you drive
a car-this is the law in California. However, there is little actual deterrent to prevent people
from driving without insurance. When people consider their options they think the most that will
happen to them is that they may have to pay out of pocket for any damage or injury they cause to
another and they think that there is only a remote possibility that they will cause an accident.
Most people also consider themselves a safe driver but there are many other things to think
Not everyone on the road is a safe driver. While you may think
that you can anticipate what other drivers are going to do, you are not a mind reader and as
defensive of a driver you may think you are, you cannot anticipate everything. If someone swerves
into your lane without their signal at the last minute because they were not paying attention and
are trying to avoid missing their freeway exit you might swerve to avoid them and hit someone else.
If you do, it will be you who is at fault for the accident and not the person trying to avoid the
If you are driving uninsured you at risk of being sued
personally for any harm or damage you cause, including death. If an uninsured motorist hits you and
kills you and you don’t have uninsured motorist coverage then your family will most likely be
left with any medical bills and funeral costs. This can be a huge burden.
Funeral Costs & Medical Bills
days funeral costs, including burial, memorial, funeral, purchasing tombstones, and anything else
involved can cost anywhere from $10,000-20,000 on the low side. Ambulance bills are usually around
$1,500 and life flights (helicopter ambulance) approximately $25,000 and up. Hospital bills
for ER visits start at around $5,000. However, if you are in there for anything that could be a
fatal injury the bills will likely be $100,000 or more. I mention all of this because if there
is no insurance available and you do not sufficient funds to cover these bills you family could be
left holding the bag.
That is a lot for anyone to deal with especially
when they are already dealing with the hardship of the death of a family member. The moral of the
story is make sure you are have auto insurance that is sufficient to protect your family and
don’t be a victim of this economy-the risk is not worth the reward.
If you would like an experienced personal injury and wrongful death lawyer to
evaluate your situation and advise you as to whether you may have a viable case, The Law Offices of
Ledger & Associates at 800-300-0001 or visit www.ledgerlaw.com.