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Mr. Smith had gone to a work party and had one too many drinks.  On his way home he blacked out from copious amounts of alcohol and rear-ended a truck.  As the truck veered to the left Mr. Smith’s vehicle continued forward and slammed into a small sedan, forcing the sedan into the rear of a small  SUV.

Moments after the impacts the small sedan went up in flames.  The occupants inside the vehicle were trapped from the damages and witnesses later recalled hearing them scream in agony and terror until there was nothing but silence.  The occupants were a grandfather and his young granddaughter.

Mr. Smith was arrested for DUI and sentenced to 12 years in prison.  His insurance company informed the family of the deceased that Mr. Smith had minimal limits—the state requirement.

When the family heard the pitiful offer of $30,000.00 for two precious lives lost they were overcome with anger, disgust and overwhelming grief.  They decided to hire an attorney to deal with the repugnance of settlements.  Their attorney uncovered Mr. Smith’s assets—savings, property, trusts, stocks and bonds.

The attorney pursued Mr. Smith’s family in court for his assets that were not properly insured by purchasing the necessary coverage under his automobile policy.  Had he purchased a bigger policy the family of the decedents would be more likely to accept settlement for the loss of their loved ones.  But to be offered the state minimum in exchange for a dad, grandfather and son or for a daughter, granddaughter and sister, was too insulting to even consider.

Mr. Smith is still in prison.  Mr. Smith’s wife and son are still being pursued in court for an unspecified amount in damages.  The moral of Miss Claims’ story:  properly insure yourself and your family.

Have questions about your Carlsbad auto insurance policy? Give Ken May Insurance a call at 888-724-2086.
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