It is very easy to assume that you and your family are fully covered by your car insurance policy.
Very frequently it is not so because insurance companies are happy to collect premiums but when it is necessary to pay out the claim, the companies will re-examine your insurance application for all kind of inconsistencies and will attempt to deny your claim if possible.
Talk to a car accident attorney beforehand to make sure your car insurance coverage is solid and covers all bases.
If in doubt, call Reeder & Nussbaum, P.A. at 727.521.2889