Why Your Insurance Probably Won’t Cover You | Underinsured Motorist Coverage Explained with Kellie Collins

You get hit by someone who runs a red light. You're seriously injured. Hospital bills pile up. Your life is upended.

Then you find out the person who hit you only carries state minimum insurance — $25,000. And your medical bills are already over $100,000.

That's when you realize: your own insurance probably won't cover you either. Because most people don't have underinsured motorist coverage.

In Episode 3 of It's Not Fair, Justin Peterson sits down with Kellie Collins — Managing Partner at Peterson Law — to talk about the coverage most people don't have, don't understand, and desperately need.

TOPICS COVERED:

• What underinsured and uninsured motorist coverage actually is (and why you need it)
• Why state minimum insurance limits ($25,000) aren't enough to cover serious injuries
• The shocking percentage of drivers on the road with little to no insurance
• Real case examples: What happens when someone doesn't have UM/UIM coverage
• How much coverage you actually need (and how to figure it out)
• How to check your own insurance policy — and what to look for
• What UM/UIM coverage actually costs per month (spoiler: less than you think)
• Stacking vs. non-stacking coverage explained
• How UM/UIM claims actually work
• Why your own insurance company fights you on these claims
• When you need an attorney for a UM/UIM claim
• Why insurance companies make lowball offers

THE BOTTOM LINE:

One in four drivers has no insurance at all. Most of the rest carry only $25,000 in coverage — which doesn't even cover a week in the ICU.

If you get seriously injured by someone else, your only real protection is the coverage you bought to protect yourself from their irresponsibility.

This episode is a wake-up call. After listening, you'll understand exactly what your policy covers (or doesn't cover) — and what to do about it.

ABOUT THE GUESTS:

Justin Peterson is the Founding Partner of Peterson Law Office. He focuses on catastrophic injury, medical malpractice, and wrongful death cases. When he's not fighting hospitals and insurance companies, he's hosting It's Not Fair.

Kellie Collins is Managing Partner at Peterson Law. With 8 years of experience defending insurance companies before switching to the plaintiff side, she understands exactly how insurance companies operate — and how to fight back.

ABOUT IT'S NOT FAIR:

It's Not Fair is a podcast about catastrophic injury and insurance cases — and why the system is designed to protect institutions over people. Hosted by trial attorneys Justin Peterson and Masten Childers lll, each episode exposes the moments that determine outcomes before most people know the game's started.

New episodes drop monthly.

It's Not Fair is a podcast about the moments that determine outcomes before most people realize the game has started. Hosted by Justin Peterson and Masten Childers. New episodes monthly.