Shannon Nicole Mathis, 25, was killed by a hit-and-run driver in Georgia. Shannon is from Mississippi and was visiting relatives. Her sister, Diane Meyer, 22, was seriously injured in the accident. The coroner pronounced Ms. Mathis dead at 9:58 p.m. Diane Meyer sustained a compound fracture in her left leg.
Willie David Bragg, Jr. was arrested for Felony hit-and-run,homicide by vehicle and failure to maintain lane. Authorities believe that Bragg was intoxicated when the two women were struck.
Who can make a claim against whom and why? The family of Ms. Mathis can make a claim against the at fault driver's insurance company. Also, they can make a claim against the bar or grocery store that sold the alcohol to the driver. Finally, they can make a claim against their own insurance company for uninsured motorist benefits. That's right, you are covered for uninsured motorists benefits in hit-and-run accidents and being hit while a pedestrian. Ms. Meyer can also make a same claims.
If you are hurt or killed in an accident in MS, chances are the person that caused the accident will not have any insurance;therefore, you will have to make a claim against your own insurance company for uninsured motorist benefits. Because most insurance companies in MS know that the chances of someone being in an accident with an uninsured motorist are high, the insurance companies tell their insurance agents to sell low uninsured motorist limits of coverage. For example, if you have $100,000 of liability insurance, i'll bet you a dollar that your agent only sold you $25,000 of uninsured limits. Pull out your policy and read it now. IF YOUR UNINSURED MOTORIST LIMITS DO NOT EQUAL YOUR LIABILITY LIMITS, THEN CALL YOUR AGENT IMMEDIATELY AND TELL HIM TO INCREASE YOUR UNINSURED MOTORIST LIMITS TO EQUAL YOUR LIABILITY LIMITS. It doesn't cost that much more of a premium to increase your UM limits. The main part of your premium goes to the liability limits. If and when that accident happens with an uninsured motorist, you will be glad you did.
Oh, by the way, if you have more than one vehicle on your policy, then you may be able to stack your uninsured motorist coverage. For example, if you have $100,000 of uninsured motorist coverage on three vehicles, then you may be able to make a claim for up to $300,000 on your policy.
If you have any questions about uninsured motorist coverage or anything else, call Paul Snow for a FREE consultation 601-969-1977 or contact us online.
Information provided by Mississippi Accident Lawyer Paul Snow.