Today a Southern California commuter train slammed into a truck and derailed in a rural area near Oxnard on Tuesday, hospitalizing approximately 30 people, including four in critical condition. (USA Today). “The extent of injuries ranged from significant head trauma and extremity trauma to neck and back injuries and trauma that you’d generally get from being thrown around,” said Steve Caroll, of Ventura County Emergency Medical Services. “We did transport a total of 28 patients, and we have 23 on scene who were not transported who did not complain of any significant injuries.”
In today’s economic climate, more drivers are either going without automobile insurance or only purchasing the minimum amount required by law, which is $15,000 liability insurance. That is why it’s important to check your uninsured (UM) and underinsured (UIM) motorist coverage in your automobile policy.
UM covers you, the insured members of your household and your passengers, for bodily/personal injuries, damages or death caused by hit-and-run drivers or at-fault drivers who are uninsured. UM coverage will cover your medical expenses and other damages, up to the limit on your policy.