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While most of us have car insurance, we may not all know exactly what our policy provides in the event of a collision. If you’ve been in an accident, you know the cost of repairs can be very high; when there are injuries, especially serious ones, involved in those accidents, the bills can be astronomical. We assume that because we have insurance, our bills will be paid in the event of an accident with injuries. However, that is often not the case.

In May 2006, the Nixon family was heading home after a family trip to Florida. Bob Nixon was driving, and his 8-year-old son Travis was sleeping in the front seat next to him. Travis’ 5-year-old sister, Danielle, was in a child seat right behind Bob, and wife, Nancy, was seated in the back seat behind Travis.

All but Bob were asleep when a drunk driver smashed head-on at 60 mph into their SUV Chevrolet Tahoe. The force of the impact caused the body of the Tahoe to shear from the bolts that held it to the truck’s chassis. The impact also caused the floorboards to rise and the dashboard to come down in front of Travis, who was laying crossways in the front seat with his seat belt on. Had Travis been sitting upright, his legs would have been severed. Karen Nixon was pinned against the back of the front seat; her pelvis, thigh, leg, arms and ribs were broken, and she suffered a head injury. Travis suffered head injuries and compound fractures to both of his legs.

Just when the Nixons thought their nightmare could not get worse, it did. They soon found out the driver of the vehicle that hit them had insurance that only covered $25,000 per occurrence. The Nixons had uninsured driver’s coverage, but they did not have under-insured driver’s coverage. The majority of their medical bills would not be covered, and they would be left with several hundreds of thousand of dollars in expenses. The man who hit them had the minimum coverage that was required in the state of Tennessee.

Because the Nixons, like many families, did not know about underinsured motorist insurance, they will have the burden of financial debt for the rest of their lives.

If you or a loved one has suffered injuries and someone involved in the collision had no insurance or was under-insured, you should speak to an experienced insurance coverage lawyer from Long & Long in Mobile Alabama. Please contact us as we handle personal injury, wrongful death and insurance coverage legal claims.

Long & Long Mobile Office

301 St. Louis St.
Mobile, AL 36602

Phone: (251) 432-2277

Long & Long Orange Beach Office

27075 Marina Rd.
Orange Beach, AL 36561

Phone: (251) 432-4878

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