A Horry County, South Carolina grand jury recently indicted a Florida woman on traffic homicide charges arising out of the August 2009 death of a 60-year-old woman on a South Carolina Highway. Kimberly Kelley Hilburn, 39, of Winter Haven, Fla., was charged with felony driving under the influence resulting in death; and two counts of felony DUI resulting in great bodily injury, according to grand jury indictments.
Glendora Faye George, 60, was killed when Horry's vehicle crashed into hers according to the S.C. Highway Patrol. The Highway Patrol said the Florida driver crossed over the center-line while driving a 1995 Chevrolet truck and struck George's 1998 Ford sport utility vehicle. George, who was wearing a seat belt, was pronounced dead at the scene from multiple blunt-force traumas. Five other people in the vehicle with George were also injured and taken to area hospitals.
Hilburn, who was also injured, was arrested. Whether it is South Carolina or Florida or any other location in this country, there are likely to be drunk drivers on the road. There is not much one can do to protect themselves from the carnage that these drivers can cause, particularly in a scenario like this one where another car suddenly crosses over the centerline of the roadway.
There is however from an insurance point of view, much that you can do to protect you and your family. Typically drunk drivers have a previous history of traffic violations and accidents. When insurance companies review their driver's license records they see an obvious red flag and may raise their insurance rates or flat out deny liability coverage to these drivers. Hence, a disproportionate number of drivers who drink and drive, often fail to have liability insurance, particularly in Broward County, Florida.
Armed with this knowledge, you can purchase uninsured motorist coverage from your own insurance company at a reasonable price, up to the amount of liability coverage that you purchase. Uninsured motorist coverage, will protect you and your family in the event that you are injured by a drunk driver who fails to have liability insurance to cover your injures.
As the old saying goes: "An ounce of prevention, is worth more than a pound of cure." Unfortunately, accidents occur when you least expect them and then it is too late to purchase uninsured motorist coverage if the other driver is bare. The time to buy this most important coverage is now!
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