Statute of Limitations

- Similar to the uninsured driver, some drivers carry inadequate insurance coverage, often at the minimum level required by state law. Many states have very low insurance requirements, which unfortunately means that some of the worst drivers on the road carry inadequate coverage due to the high cost of insurance which results from their bad driving records. Some carinsurance companies offer underinsured motorist coverage, so drivers can protect themselves in the event that they are in an accident caused by somebody who carries inadequate coverage.

- When people make claims with their insurance companies, they sometimes run into difficulty with the insurance company's refusal to negotiate the claim fairly. For example, an insurance company may refuse to offer fair value for a "totaled" car. In "no fault" states, where drivers insure for their own accident-related medical care, it can involve the improper denial of coverage or reimbursement by the insurance company.