18-Month-Old Child Critically Injured In Car Accident

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A four car chain reaction collision happened at approximately 6:50 p.m. on Sunday night. The accident happened when Julie Gough, 23-years-old, claims to have taken her eyes off the roadway after dropping a Gatorade botton the floor of her car. She was driving a 2003 Honda CRV and struck the rear end of cars stopped at a red light at the intersection of Damascus Road and State Road 60.

The CRV struck a 2007 Honda Odyssey first. Thereafter, the a 2013 Nissan Altima and a 1975 Buick LeSabre were struck in front of the minivan. Most notably, injuries were reported to 9 people, including a 3-year-old who is stable and an 18-month-old girl who is listed in critical condition.

How Much Insurance Will Cover This Accident?

This accident is another reminder of why we must always keep our eyes on the roadway. A Gatorade bottle, even if it is spilling all over the floor, is not worth the risk to life and the injuries caused. Based on her admissions, this accident is clearly Ms. Gough’s fault. The question is in this case is not how much Ms. Gough is at fault but instead is how much insurance does she have and is that going to be enough.

Most insurance policy limits for household drivers comes in the form of a per person and per accident limit. In a case such as this one, the at-fault driver’s policy limits will likely not be enough to satisfy everyone’s damages. For situations such as these, it is important to have an adequate of uninsured or underinsured motorist coverage (UM) on your own automobile policy.

You should not trust other people to maintain enough insurance to cover the full extent of their liabilities. Further, obtaining money directly from another driver is oftentimes difficult and risky considering the way bankruptcy works.