John Yamane Explains Insurance Coverage
Here at Leavitt, Yamane & Soldner, one of the things we always look at are insurance coverages. When clients come in to talk about their situations, we actually ask them to bring in their insurance policy and we will sit down with them and go over their coverages, explain to them the different types of coverages, and what coverages are very important. One of the types of coverages that we always look at is what we call uninsured motorist coverage and underinsured motorist coverage. Those types of coverages are very, very important because statistics have shown that one-third of the drivers in Hawaii either don’t have enough insurance or do not have any insurance at all. So, if you have underinsured and uninsured coverages, that extra coverage can protect you against those types of drivers. Here at Leavitt, Yamane & Soldner, we feel very strongly about underinsured and uninsured motorist coverage. We have been talking to people about it for at least the past 25 years.
We have actually had cases where the insurance company will tender their policy limits, but just because the insurance company tenders the policy limits does not mean that the driver who caused the accident is necessarily off the hook. The driver is responsible for all the harms he has caused. The insurance company just steps in and pays for that harm up to the policy limit that that person has purchased. Now, if the person causes an accident, hurts somebody severely enough, and his insurance is not enough to com
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