![]() And suppose it turns out he had no insurance, which is not unusual with drunk drivers. Now suppose a drunk driver runs a red light and crashes into your car and injures you and your family. It’s intended to protect you and your family if you’re injured in a collision with a driver who had no insurance it also kicks in if the other driver did not have enough insurance to cover the full amount of your medical bills and injuries. This is usually a very good coverage to have. State Farm calls it “D” coverage in their paperwork. This is commonly referred to as “UM” or “UIM” coverage. Suppose you have your auto insurance with State Farm, and you bought an optional coverage called “uninsured motorist” protection as part of your policy. To help you see if you might be affected by these unusual legal battles, a hypothetical example is given below. ![]() ![]() Some Colorado citizens, who paid State Farm additional insurance premiums for uninsured motorist protection, may not agree. State Farm, one of the largest automobile insurance companies in the world, advertises that “like a good neighbor State Farm is there” – presumably “there” to help the people it insures, its customers. ![]() Recently in Colorado, there have been a number of trials involving new and unusual legal battles between State Farm and its policyholders. ![]()
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