One of the worst things that can happen to you is to be injured through no choice or fault of your own. If you think nothing could be worse than being smashed up by some drunken driver you are wrong.
There is something worse and it comes from a series of United States Supreme Court decisions concerning a law originally enacted to protect workers. In a perverse twist the court has turned the law into a hammer used to smash those who are injured when others break the rules we all live by.
Imagine you are hit by a drunk driver. The driver is on mandatory insurance for earlier troubles. The limit of the insurance is $25,000, the minimum. Let’s assume though that you are responsible and prudent. You have health insurance through your employment and you purchased $100,000 of under insured motorist (UIM) coverage for just this kind of disaster. The drunk runs a stop sign and smashes into your car breaking your leg and shoulder. You won’t be working for at least 6 months, if ever again. Your medical bills are mounting.
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