In our law practice, I have found that one of the biggest mistakes our clients make is by choosing to purchase the lowest coverage offered to them for uninsured and underinsured motorist benefits. Most people never expect to be involved in an automobile accident, let alone be injured due to the negligence of someone who was either driving uninsured or with very limited liability coverage. To make matters worse, many insurance agents try to beat a competing agent’s price quote and never explain to you the real reason why their coverage is so inexpensive. As a result of this lack of communication, we find that our clients frequently purchase inferior insurance coverage. What you need to understand is that serious automobile accidents happen more often than you would like to think. I can’t tell you how many clients we have represented who have been injured due to the negligence of an uninsured driver, or an individual who was driving with the minimum liability coverage allowed under Ma...