Episode Summary: In this episode of The Advocates Voice – Personal Injury with David Maran, host Kevin Rosenquist and personal injury attorney David Maran dive into an often-overlooked but crucial part of auto insurance: underinsured and uninsured motorist coverage. David explains why this coverage is vital for protecting yourself and your family, especially when the at-fault driver has little or no insurance. He discusses common misconceptions, the limitations of standard policies, and why insurance companies often fail to offer adequate coverage. David also shares a real-life case study of two sisters involved in a pedestrian accident, illustrating how the right insurance policy can make a huge difference in a personal injury claim. Whether you're a driver, pedestrian, or simply want to ensure financial protection in case of an accident, this episode provides key insights into making informed insurance decisions. Timestamps: 00:01 – Welcome to The Advocates Voice 00:06 – Introduction to David Maran and today’s topic 00:40 – What is underinsured and uninsured motorist coverage? 02:33 – Why minimum insurance limits are often inadequate 03:19 – Common misconceptions about uninsured and underinsured motorist coverage 04:50 – Why insurance companies don’t always offer this coverage upfront 06:57 – How underinsured and uninsured motorist coverage works in real-life scenarios 12:11 – Case study: How coverage made a difference for two sisters in a pedestrian accident 15:07 – The importance of reviewing your insurance policy 16:24 – Closing remarks and how to connect with David Maran About the Show: The Advocates Voice – Personal Injury with David Maran is a podcast dedicated to helping listeners understand their legal rights in personal injury cases. Hosted by Kevin Rosenquist and featuring experienced attorney David Maran, each episode explores key topics in personal injury law, insurance claims, and legal strategies to protect individuals and families.