You know, in car accident cases, one of the most common mistakes I see clients make is trying to save a couple of bucks on their car insurance by rejecting an important type of coverage called "Uninsured Motorist"  or "UM" coverage.

UM coverage applies when the driver of the car that caused your injuries is uninsured or, more commonly,  does not have enough insurance.

When you have UM Coverage, it kicks in not only when the other driver is uninsured, but it also acts as another layer of money when the other driver's insurance is too low to pay for all of your damages.

So, don't be  "penny wise and dollar foolish." Demand full coverage from your agent.  After all.  I can't help you if there's no one there to pay for your injuries.

This is Attorney Greg DiLeo, and this has been 'Your Legal Minute."