1. My mother, still going through it now, long and short my father was killed in the accident, she was at fault (she was driving, dads pacemaker went off in the car, she looked over at him and BAM). She was airlifted and has so far racked up close to a half a million in medical bills, and growing. The other people, one didn't go to the hospital, the other was discharged the same day with minor injuries. They are going after her house since it's the only thing she has of value and she had the 300k auto policy (the lawyer says the chances of them getting it are slim since she literally is pretty much broke). If NOTHING else, this case has shown me the EXTREME importance of good car insurance and umbrella policy coverage. The insurance company (which will probably drop her like a hot potato when this is all said and done), has paid all the medical bills, processed payments in record time, got us the burial cash that was in the policy rider inside of a week and has literally handled EVERYTHING to this point.
2. To back up what someone else said about uninsured motorist coverage my neighbor is living proof to needing to have it. She got rear ended, hard, badly injured and ended up losing her job as a result. She was insured, and had an umbrella policy but the other driver was totally uninsured. She spent 3 years fighting with her insurance company to pay out a decent amount of money to cover her job loss, of course, since she didn't have uninsured motorist coverage option, they didn't pay out much of anything. The other people sued her insurance company (even though they were at fault) and ended up walking out with 6 figures, I think the total she got from her coverage was 25k and obviously nothing from the other people, she tried personally suing but they were illegally in the country and had nothing to sue for. By the time they got the settlement from her insurance the statute of limitations in the state was up to sue.