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Bad news: You get into an auto accident. Good news: You didn’t cause it.
Ideally when you get into a car accident, you file a claim, repair your car, go to the hospital, and follow through with your medical care in order to heal. There are often ongoing medical expenses not to mention loss of wages for missing work due to your injuries. However, the offender’s insurance pays for your damages, leaving you with no out of pocket expenses.
But what happens when the person who caused the accident doesn’t have insurance? What happens if he has liability coverage but not enough? What happens if he flees the scene, leaving your car wrecked and your self damaged?
This happens more often than you may think. In fact, according to a 2014 study by the Insurance Research Council, one in eight drivers was uninsured. When you’re the victim of a car accident in this case and do not have uninsured motorist coverage, you’re left with the devastating aftermath - piling medical and auto repair bills, leaving you in financial despair while you’re trying desperately to heal.
The good news? This can all be avoided. Uninsured (underinsured) coverage can save you from paying for an accident you didn’t cause.
What Is Uninsured (Underinsured) Motorist Coverage?
When you get into a car accident and the other driver is at fault, if he doesn't have insurance, you’re financially responsible for the damages to your car and your injuries. You could go after him personally, but chances are if the driver has no car insurance, he doesn’t have assets, so going after him personally will be useless.
You can protect yourself from irresponsible drivers with uninsured motorist coverage, which is pretty affordable, especially compared to liability, collision, and comprehensive insurance.
Types of coverage:
Uninsured Motorist Bodily Injury Coverage: covers medical expenses, lost wages, pain and suffering, and emotional distress.
Uninsured Motorist Property Damage Coverage: covers damages to your vehicle.
With uninsured motorist coverage, your insurance carrier stands in to insure the at-fault driver who either has no insurance, too little insurance, or who fled the scene. You would make a claim under your policy for lost wages, pain, suffering, and medical bills without any increase to your premium.
Are you the victim of an accident where the driver has low or no coverage?
As the victim of an auto accident, you have a lot on your plate. At Benedetto Law , we’ll help you navigate the legal and financial complexities of your accident with an uninsured/underinsured driver or hit and run. If you or a loved one have been injured, you have the right to recover financial compensation - contact us today for a free consultation, we take cases nationwide.
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