Several weeks ago, I published a blog article, “An Ounce of Prevention.”  The primary goal of the article was to encourage people to view automobile insurance differently.  Not out of fear of being sued as big insurance would have them think, but from the perspective of prevention.  In the legal sense, prevention occurs when you purchase the proper automobile insurance coverages to protect you and your family if injured by the negligence of another driver or, perhaps worse case scenario, the negligence of an uninsured or underinsured driver.  I think of insurance in this context as providing a safety net.

One’s mindset in purchasing automobile insurance should be the mindset of prevention, thinking of insurance as a safety net preventing the purchaser and his or her family from the disaster that could come when injured in an automobile collision.  The safety net itself is quite simple as I have stated many times in many different articles and on different platforms – purchase Full Tort insurance and Uninsured and Underinsured Motorist coverage equal to the liability insurance coverage.

Of course, you want to protect your assets in the event you have been sued, but frankly that is a very complicated and unlikely scenario.  In my experience, having practiced personal injury law for 40 years, the far more likely scenario is that of the individual who purchased a Limited Tort policy and now cannot make a reasonable claim for the pain, suffering and inconvenience he has had to endure as a result of the negligent act of another person.  Another likely scenario occurs when a person has sustained a catastrophic injury as a result of the act of an Uninsured or Underinsured driver.

These are the scenarios that play out in Pennsylvania daily, yet they receive little notoriety or attention.  Automobile insurance as a safety net should be one’s first and most important priority when purchasing automobile insurance.  You do not want to find out when it’s too late that you could have purchased a safety net of coverage for about the same price that you purchased poorly designed coverage, with poor advice from an insurance representative who truly did not understand the ramifications of the coverage selected.

As we have mentioned previously, we feel so strongly about this issue that we, at Davis & Davis, will meet with you “free of charge” to review your automobile insurance policy and help you design a policy that will serve as a safety net for you and your family.

Remember the words of Benjamin Franklin, “An Ounce of prevention is worth a pound of cure.”