Prices are rising, but most drivers still have paltry coverageListen to this story. Enjoy more audio and podcasts on iOS or Android.Your browser does not support the <audio> element.In 2010, Eric DuBarry and his two-year-old son Seamus were crossing a street in Portland, Oregon, when an elderly driver mistook the accelerator for the brake, and ploughed into the pair and another man. They were flung across the street—the pram wrapping itself around a lamppost. In hospital that evening, Michelle D...