You walk into your local State Farm office and say “I need full coverage insurance to protect me and my family should I ever get in an accident.” Your agent sells you a policy with every bell and whistle. You think that your family is well protected.

Now imagine the worst: Dad, Mom and toddler son are in a Dayton car accident when Dad takes his eyes of the road to answer his cell phone. The car runs off the road and strikes a tree. Mom is severely and permanently injured. Dad was negligent in causing the accident. (more…)