Car Accident Lawyer
Having uninsured motorist coverage is paramount when it comes to an after-accident situation. Uninsured motorist coverage is additional coverage that you can buy through your auto insurance carrier. There are a number of states who mandate that all operators of vehicles must carry uninsured motorist coverage. Other states allow you to add it to your policy. The reason uninsured motorist coverage is so important is that it protects you if you are involved in an accident with someone who does not carry any insurance on their vehicle.
Picture this: you are in an accident with a person who has no insurance at all. Unfortunately, during the accident, your vehicle was totaled, and you were sent to the hospital with injuries. If it is found that the other person is at fault for the accident, they should be paying you right? Maybe not. If that person did not have coverage and you do not carry uninsured motorist coverage, you are out of luck. That is unless you want to go after the person personally. However, if you did carry uninsured motorist coverage, you can tap into that coverage through your own insurance policy. It is there for a reason and that is to protect you in these types of situations. Many folks ask if filing a claim with their own uninsured motorist coverage will impact their auto premiums. Uninsured coverage will not raise your premiums as you were not at fault and you pay for the coverage for this specific situation.
What types of damages can you recover under an uninsured motorist claim?
Uninsured motorist coverage can cover several types of damages including medical bills, pain and suffering, lost wages, and future medical bills and injuries. Adding uninsured motorist coverage is relatively cheap and provided by every major insurance coverage. Hiring an experienced car injury attorney after a car accident is a must in order to investigate the other driver and determine where the coverage lies. It is important to note that uninsured motorist coverage will also cover property damage. Just like regular liability insurance, if the at-fault driver does not have insurance, your uninsured coverage will kick in to cover your property damage. The coverage is listed on your policy just like regular liability insurance. There Is generally a property damage portion and bodily injury portion.
Contact an attorney today
Do not get stuck in a situation where your injuries, lost wages, and pain and suffering are not taken care of. Luckily, a lawyer, like a car accident lawyer is a law firm that is experienced in investigating liability coverage and finding where the money is. Contacting an experienced attorney regarding uninsured motorist coverage can ensure that the insurance company, even your own, does not give you the run-around.
