Uninsured motorist coverage is insurance that protects you if you’re in an accident with a driver who doesn’t have insurance. Even if the other driver is at fault, if they don’t have insurance, you could be left footing the bill for your damages. That’s why uninsured motorist coverage is so important – it can help cover your costs if you’re in an accident with an uninsured driver.
Most states require drivers to have some form of uninsured motorist coverage, but the amount of coverage required varies from state to state. In some states, the minimum amount of coverage is quite low, which may not be enough to cover all of your damages if you’re in a serious accident. That’s why it’s important to understand your state’s requirements and to choose a policy that provides enough coverage to protect you in the event of an accident.
5 things to know about uninsured/ underinsured motorist claims
If you’ve been involved in an accident with an uninsured or underinsured driver, you may be wondering what your options are. Here are five things you should know about uninsured/ underinsured motorist claims:
- You may be able to recover damages from your own insurance company.
- The amount of coverage required varies from state to state.
- Your own insurance company may try to lowball you on your claim.
- An experienced attorney can help you maximize your recovery.
- You may be entitled to punitive damages if the other driver was grossly negligent.
If you’ve been involved in an accident with an uninsured or underinsured driver, contact our experienced uninsured & underinsured motorists attorney to discuss your case
Top 3 myths about uninsured/ underinsured drivers
There are a lot of myths and misconceptions about uninsured and underinsured drivers. Here are three of the most common myths:
- All uninsured drivers are illegal immigrants.
- Uninsured drivers only cause property damage.
- All accidents with uninsured drivers are hit-and-runs.
All of these myths are false. There are many different reasons why a driver may be uninsured or underinsured, and not all of them have anything to do with immigration status. Uninsured drivers can also cause personal injury, and not all accidents involving uninsured drivers are hit-and-runs. If you’ve been in an accident with an uninsured or underinsured driver, don’t assume that you’re out of luck – contact The Wright Law Firm to schedule a consultation