Last year, ten days before his 21st birthday, Bradley Dreyer was skateboarding against traffic alongside a row of parked cars in Sonoma, Calif, when a drunk, uninsured motorcyclist crossed the double yellow line and hit him from behind. Dreyer, who had been studying to be an ER nurse, sustained a severe brain injury.With the help of lawyer Guy Kornblum, Dreyer's parents got their own insurer, State Farm, to pay out both the full $100,000 of uninsured motorist coverage on their auto policy and their $1 million in umbrella coverage. But given Bradley's continuing needs, they now wish they'd carried even more coverage. "We have to face difficult decisions," says Bradley's mom, Mary Kate Dreyer. "We don't want to rob him of treatment now, but we need to preserve his estate for the future, what could be lifetime care."
展开▼
