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Drivers know, or should know, that automobile insurance or proof of some other form of financial insurance is a legal requirement in every state; however, this doesn't mean that every driver and automobile owner complies. Too, a percentage of the people who do comply purchase only the minimum amount of automobile insurance or show proof of the minimum amount of financial responsibility that their state has made a legal requirement. Although they're obeying the law, many times this means people don't have the amount of money it takes to cover the damages caused by an automobile accident.

It's probably safe to say that the most incidents in which people do not have enough automobile insurance to cover the damages of an automobile accident revolve around personal injuries. When referring to an automobile accident, a personal injury is one in which a person is injured physically, emotionally, or mentally as the result of an automobile accident. Regardless of who is at fault for the accident, everyone can be a victim of personal injury, including drivers, passengers, and even pedestrians.

Compensation for your personal injuries can cover your medical costs and loss of wages due to your inability to work, among other financial benefits. In other words, compensation covers a lot, and most people just don't have enough automobile insurance to provide enough compensation, even if they have met the legal requirement for automobile insurance or proof of financial responsibility of their state.

If you find yourself victim of a personal injury due to an automobile accident, and the driver or owner of the vehicle at fault doesn't have enough automobile insurance or financial responsibility to adequately cover the cost of your medical needs and other such damages, you should seek legal assistance. There are many attorneys who specialize in personal injury cases and the one you choose will be able to advise you and help you get the compensation you deserve.