In my Your Money column this weekend, I sought out more detail about the auto insurance case that lit up the Internet this week. It's a complicated tale, involving Progressive Insurance and family members of Katie Fisher, who was killed in a car accident. They were trying to make a claim on her underinsured motorist policy, since there was an underinsured motorist at the wheel of the car that hit her.
The tricky thing about this type of insurance is that you can make a claim on your policy only if somebody else is at fault, which makes it different from automobile insurance coverage for liability. Given the tough time that the Fisher family had in getting their claim settled, I'd be curious to hear from others who have tried to use their underinsured motorist policy. Did your insurance company try to point the finger at you, too? And how did the claim work itself out?
I realize that many of you may want to use this forum to criticize Progressive some more, but that's all we've read related to this case for several days now. I'd rather keep the discussion here focused on how underinsured motorist coverage works and how best to make your insurer pay up.
