Car insurance is like the extra money that we save “in case of a rainy day.” Being involved in an automobile accident causes significant emotional strain; paying for the damages stemming from that accident (whether it is in the form of medical bills or property damage) can contribute even more to your stress. Thus, we rely on insurance to assist us in paying for such damages.
What do you do when you have been involved in an accident with an uninsured driver, though? What about with a driver whose insurance policy limits are insufficient to pay for your medical bills? You can choose to sue the driver personally, but this option is often costly, and may be ineffective. Most individuals in this situation pursue a claim for damages through the uninsured motorist coverage on their own personal insurance policies.
Uninsured motorist coverage is designed for circumstances where the opposing driver does not have coverage adequate to reimburse you for your damages stemming from the accident. Such coverage is typically optional, but it can be a useful tool in ensuring that you will receive adequate medical treatment regardless of the insured status the other driver.
If you have been injured in an automobile accident, and would like to receive an evaluation of your potential claim, please contact us as soon as possible.
Please be advised: every legal case is different. While this information may be informative, it is not intended to constitute legal advice. To determine if the circumstances presented here apply to your case, please do not hesitate to call us today.