The only thing worse than becoming involved in a car accident is discovering that the other driver is an uninsured motorist. Even though it’s a requirement in 49 states, many Americans don’t have insurance, and that can mean a major headache for you when it comes time to settle affairs. Don’t try to go at it alone, make sure you are ready for anything with Miller Injury Law. We devote our practice to personal injury cases and help you get the compensation you deserve.
Always Be Insured
Except for New Hampshire, every state has a minimum mandatory car insurance requirement, which may vary by some states on what needs to be included. But most people still don’t have insurance, sometimes as low as one out of every five drivers, which means your chances of colliding with one of them down the road is a possibility. A handful of states require that uninsured coverage be included in your insurance plans, to better protect you in case of an accident with an uninsured motorist. You’ll want to have at least the basic auto insurance policy to help protect you no matter what the road brings. It’s not a bad idea to also check and see what your plan includes, and whether it’s worth it for you to also add uninsured coverage to your pre-existing coverage.
Uninsured Motorist Coverage
If you’re involved in a serious accident and the other driver isn’t insured, you could be facing severe financial losses, especially if you suffered serious injuries. Uninsured and underinsured motorist coverage can help make sure you’re covered even if the other driver isn’t, and can save you money in the long run. There are typically three types of insurance offered for these types of situations, and may vary slightly by each state and insurance provider. The Underinsured Motorist (UIM) protection is offered in those instances where the at-fault driver may have liability insurance, but his or her policy’s limits don’t actually end up covering the full extent of the damage. In this circumstance, the UIM insurance will kick in and cover the shortfall in the at-fault driver’s policy.
Uninsured Motorist Insurance (UM), or also known as Uninsured Motorist Bodily Injury (UMBI) insurance, is coverage that will help cover the costs of your and your passengers’ medical bills in the case of an accident with an uninsured, at-fault driver. UM insurance will also reimburse you and your passengers for any lost wages during this time. Uninsured Motorist Insurance will also help if you were a pedestrian that was hit by an uninsured driver, or you are the victim involved in a hit-and-run accident. Uninsured Motorist Property Damage (UMPD) coverage will help in the matter of seeking damages to your car or property. UM insurance covers and protects what happens to you and your passengers in an accident, but not necessarily your property. To have this option, you will need UMPD coverage to aid in these types of situations; check with your local insurance provider to see if this is available in your state. With UMPD coverage, you will get paid for the damages to your vehicle caused by the uninsured at-fault motorist, and will generally pay for any other damages done to personal property, such as your house or your fence.
It can be a scary world out there with so many unknown factors thrown your way everyday. Being insured and protecting yourself against anyone who may not be is one less worry you can take off of your mind. Even in dealing with the aftermath of an accident, you can still relax knowing that you are covered even if the other driver isn’t.
Are you in the midst of a legal battle with an uninsured at-fault motorist? You need legal aid by your side to help you get the compensation you deserve. The law offices of Miller Injury Law will help you determine the best course of action in your suit, and fight for your rights in getting the reimbursement you need to get back to your life. Call us today!