Why Your Insurance Probably Won't Cover You | Underinsured Motorist Coverage Explained

You get hit by someone who runs a red light. You're seriously injured. Hospital bills pile up. Your life is upended. Then you find out the person who hit you only carries state minimum insurance — $25,000. And your medical bills are already over $100,000. That's when you realize: your own insurance probably won't cover you either. In Episode 3 of It's Not Fair, trial attorneys Justin Peterson and Kellie Collins explain what most people don't know about underinsured and uninsured motorist coverage — and why it matters more than you think. TIMESTAMPS: 0:00 Introduction 1:30 What underinsured motorist coverage actually is 6:15 Why state minimum limits aren't enough 12:45 The real cost of not having coverage — case story 18:30 How much coverage you actually need 24:00 How to check your insurance policy 28:15 What adequate coverage costs per month 32:00 How UM/UIM claims actually work 38:45 Why insurance companies fight you on these claims 43:30 When you need an attorney 47:15 The one thing you need to understand KEY TOPICS: What underinsured and uninsured motorist coverage is (and why you need it) Why state minimum insurance limits don't cover serious injuries The percentage of drivers on the road with little to no insurance Real case examples: What happens without UM/UIM coverage How to determine how much coverage you need How to read your insurance declarations page and spot coverage gaps What adequate UM/UIM coverage costs (and it's cheaper than you think) How UM/UIM claims actually work Why your own insurance company fights you on these claims When to hire an attorney for a UM/UIM claim Insurance company settlement tactics THE REALITY: One in four drivers has no insurance at all. Most of the rest carry only $25,000 in coverage — which doesn't even cover a week in the ICU. If you get seriously injured by someone else, your only real protection is the coverage you bought to protect yourself from their irresponsibility. ABOUT THE HOSTS: Justin Peterson is the Founding Partner of Peterson Law Office, focusing on catastrophic injury, medical malpractice, and wrongful death cases. Kellie Collins is Managing Partner at Peterson Law. With 8 years of experience defending insurance companies before switching to the plaintiff side, she understands exactly how insurance companies operate. ABOUT IT'S NOT FAIR: It's Not Fair is a podcast about catastrophic injury and insurance cases — and why the system is designed to protect institutions over people. Each episode exposes the moments that determine outcomes before most people know the game's started. New episodes drop Monthly. WHAT TO DO AFTER YOU LISTEN: Find your car insurance policy. Look at your declarations page. Find "Uninsured Motorist" and "Underinsured Motorist." If those numbers are lower than your liability coverage, or if they say "rejected" — call your insurance agent tomorrow and change it. Because you can't control who hits you. But you can control whether you're protected when they do. CONNECT WITH PETERSON LAW: 🌐 Website: https://www.justinpetersonlaw.com 💼 LinkedIn: Peterson Law Office 📘 Facebook: @JustinPetersonLawKY 📸 Instagram: @peterson_law_office #ItsNotFair #UnderinsuredMotorist #Insurance #PersonalInjury #CoverageMatters #InsuranceTips #AttorneyExplained