On the evening of Monday, December 5, 2011 a mechanic was test driving a 12 cylinder Lamborghini Murciellago sports car. During the test drive the mechanic was involved in a multi-vehicle crash near the intersection of Alicia Parkway and Marguerite Parkway in Mission Viejo, California.  

Witnesses reported that the Lamborghini was travelling at a high rate of speed just before the crash.  Fortunately, no one was injured.

The vehicle, however, was damaged. A Lamborghini Murciellago usually sells for approximately $200,000.00 new.

Do you have high enough limits on the property damage portion of your automobile liability policy to cover that loss if it was you who had caused the accident and destroyed the Lamborghini?  In South Orange County we are surrounded by expensive cars and vehicles. If you caused an accident and damaged an expensive Mercedes or other luxury automobile, so that it was declared a total loss, would your policy have enough coverage to pay for the loss so that you would not have to pay for it personally? If not, you might want to think about it and talk to your insurance agent about it.

While you are it, you might also like to ask your insurance agent about increasing your Uninsured Motorist insurance protection. A lot of injured people call my office after an accident just to find out that the person who caused the accident did not have automobile insurance.  Approximately one out of every four cars you are diving next to on the roads in South Orange County are driving without insurance.

Without Uninsured Motorist coverage injured motorists and their passengers have no way to be compensated for the vehicle damage and personal injuries caused them by the Uninsured or Under Insured Motorist. If they have Uninsured Motorist Property Damage and Uninsured Motorist Personal Injury protection in their policy they can be properly and adequately compensated for their vehicle loss and personal injuries.

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