Underinsured Motorist and Uninsured Motorist Coverage

When dealing with vehicle insurance, many people don’t really understand the provisions for uninsured and underinsured motorist coverage. These are additions to the standard vehicle insurance policy, but it is often rejected because the coverage may be a little confusing. Once someone understands what is underinsured motorist coverage, they can be better poised to make the decision about whether it will be advantageous for them to have it. There are distinct differences between underinsured and uninsured motorist coverage. Uninsured provides protection in an accident and the driver at fault doesn’t have liability insurance. Underinsured motorist coverage provides assistance if the at-fault driver doesn’t have enough liability insurance to cover medical expenses.

What Is Underinsured Motorist Coverage

If you’re wondering how does underinsured motorist coverage work, it’s the part of the policy that will cover your damages if the other party is responsible and does not have adequate insurance. This insurance is also starting to be required in certain states, so it’s always a good idea to check with your insurance agent before attempting to reject it from your policy. There are two types of coverage under this umbrella: motorist bodily injury, and motorist property damage. It is not uncommon for drivers to not have this provision. If you carry this type of insurance, it works well because your bills will be paid after the accident, especially if you’re fighting to recoup your losses. After all, who wants to be in an accident they didn’t cause and can’t’ get everything fixed or medical bills attended to?

Underinsured and Uninsured Motorist Coverage

If you’re wondering do I need uninsured motorist coverage, check with your agent. Uninsured and underinsured coverage protects you from those motorists that do not have liability coverage. This really comes in handy if you are in a car accident with someone who does not have enough insurance to cover your costs. If you find yourself in an accident, knowing what to expect can give you peace of mind. Having an auto checklist on hand that can give you a general idea of what to do when involved in an accident is key.

Contact Wallace and Graham, P.A. 

If you find yourself in a situation where you are dealing with a driver that does not have uninsured motorist or underinsured motorist coverage, one of the first things you should do is contact a personal injury attorney. While many people don’t understand what a personal injury attorney really does, learning the basics can give you peace of mind when faced with certain situations, like vehicle accidents that result in medical expenses.  

The team at Wallace & Graham is ready and able to walk you through the process of dealing with a case where the person doesn’t have adequate insurance. Don’t put yourself through the headache – let an experienced attorney handle things for you. Our attorneys can provide some perspective in having underinsured and uninsured motorist coverage. They can answer any additional questions you may have about how it works in the event of an accident, and help you feel more comfortable with making an educated decision.

For more information on how we can provide personal injury solutions for you when you’ve been involved in an accident, contact the law office of Wallace and Graham today!