Several months ago, I was sitting at an intersection waiting for a car to clear when a fellow rider, who aparently had his head up his ass rear ended me. I would up with a compound fracture of my arm, and several months later, stillhave loss of feeling in my small finger.
His insurnce, (progressive) had an agent at my house two days after relase form hospital with a check for $10 k.. Hospital bills alone were $76k, and total expenses neared 100k.
Fortunately, I had uninsured/underinsured motorist coverge. My healthcare coverage paid most of the expenses, and I actually wound up recving an unexpected chek for the remainder of the policy limit.
Do not fail to include uninsured/underinsured motorist coverge on your policy.