Last week a jury in Hamilton County awarded $600,000 to a woman in her lawsuit for underinsured motorist coverage against her insurance company, State Farm. The insurance company for the driver who caused the collision paid its $100,000 policy limits before the lawsuit. State Farm thought her claim for underinsured motorist coverage was only worth $20,000. The jury obviously disagreed.

If you have a claim that is worth more than the insurance policy limits of the driver who caused the collision, you should be very skeptical of what your own insurance company tells you your underinsured motorist coverage claim is worth. The Hamilton County case last week shows that your claim might be more valuable to you than to your insurance company.