The goal with this article is to give the consumer an action plan to avoid being victimized twice in an injury-causing accident (by the accident and later dealing with insurance) and to share the importance of having the correct and sufficient automobile coverage under an insurance policy. There are many ways to resurrect a personal injury claim that has been damaged as a result of improper action taken after the injury causing accident. Although I can salvage many of the claims where the injured victim has done something to impact the claim’s value (giving a statement to an insurance company, providing a blank medical authorization etc.), what I cannot do is create a monetary source for compensation and therefore that is why it is so important that consumers protect themselves by having appropriate and sufficient insurance coverage, as detailed below.