I advise all of my clients that there are things they can do to minimize the risk should they be injured by an uninsured or underinsured driver. First, the immediate solution is to simply pay a few dollars more each month to purchase excess "uninsured motorist coverage" on your own insurance policy so that you will be provided up to $500,000 rather than some minimal amount such as $25,000. In any case, just make sure you have at least the minimal uninsured coverage of $25,000.
This is the secret that the insurance companies do not tell the public. So many of my clients tell me that they are "fully insured" when I ask if they have uninsured motorist coverage but the fact turns out to be that most of the time they simply have liability and comprehensive coverage and no uninsured motorist coverage whatsoever. Readers should contact their insurance carriers today to increase their uninsured motorist coverage to protect themselves and their families.
Finally, purchase a medical payments rider as part of your auto policy. You will be surprised how inexpensive $50,000 in medical payments coverage is. The beauty of medical payments coverage is that there are no deductibles, no out of packet payments and you can coordinate these benefits with your health insurance benefits to significantly leverage the $50,000. Of course, if you do not have health insurance, the benefit of medical payments coverage is all the more obvious.