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"People have got to take responsibility for themselves and quit blaming everyone else. "

Gee Freepers are we having brain farts this morning or what? I agree with the ruling for the insurance company but where do you get off blaming the truck driver for not taking responsibility when he DID NOTHING WRONG?

It seems he was driving for a trucking firm as the article says they fired him so one might say the trucking company should have coverage for such occurrences and certainly he and the trucking company should sue the estate of the person who caused the damage.

If I drive a company vehicle am I expected to purchase additional coverage for myself?

You know, that was the politest slap down I have seen around here in a long time..LOL!!!!

But you are right..I guess I wrote that statement "off the cuff"..It does seem to me that this fellow had other avenues available and the courts ruled this one shut. However the knee jerk attitude of some is to blame the big bad insurance company for the problem.
I deal with a lot of people who spend more time planning their vacations then preparing for their financial security. Then when something bad happens to them they lash out.

A person thinks they spend a fortune on premium payments (around here 6 months premium is about the MONTHLY payment on a new car) but if they are in an accident the company is on the hook not only for a new $30,000 car for them but a new one for the other driver and up to the liability limits to anyone they hurt. (Could be $100,000 per person sometimes a lot more.)

Now some folks will say thats fine but I drive a beater and have liability only...so take that premium amount they pay and figure how long it would take to save up the amount of liability insurance they have. The premium is still fractions of a penny of the expected payout if they find themselves liable for damages.

Policies are written VERY precisely because thats the only way to PREDICT with any certainty how much in claims the company will pay out over the next year...a company can't tell you WHO will be in an accident but they can tell you pretty close to how many accidents there will be. They can't predict who's house will burn down this year but they can tell you how many will.. and a persons responsibility and past claims are all factored in.

MY advise to anyone is schedule a review of your financial foundation. The worst time to find a hole is at the time you need the coverage. And be clear as to your "Self Insurance limit" on ALL policies. Some cannot afford all the coverage they need but usually the ones who can least afford it have the most to loose. Raise deductibles before you lower liability limits...which would you prefer to be out an additional $250 or the $50,000 liability amount you dropped to save $50? .."If you can't afford to fix the leaky roof where will you comeup for the money to fix the additional damage the water does? /END RANT