Although automobile insurance is required in every state, there will always be drivers on the road without coverage. According to the Insurance Research Council, one in eight drivers is uninsured.
Typically, the insurance company for the driver at fault pays for damages. If that person does not have insurance, there are still ways to protect yourself. Different types of uninsured motorist coverages can easily be added to your auto policy for peace of mind.
Uninsured Motorist Bodily Injury
If an uninsured driver causes a crash you are involved in, UMBI can cover things like medical expenses, lost wages, pain and suffering, and even funeral costs. It may also offer coverage if you are riding a bike or walking and get hit by an uninsured driver.
Uninsured Motorist Property Damage
UMPD covers damage caused to property or your car after an accident caused by an uninsured driver. Depending on your policy, you might have to meet a deductible.
Underinsured Motorist Bodily Injury
UIMBI covers the same expenses as uninsured motorist bodily injury and kicks in when the at-fault driver does not have adequate coverage to pay for all the damages.
Underinsured Motorist Property Damage
UIMPD covers the same damages as uninsured motorist property damage if the driver at fault has minimal coverage. You will likely have to meet a deductible before it pays.
Some states require drivers to carry uninsured motorist coverage while others do not. If you are unclear about what coverage you need or already have in place, contact your insurance provider. An agent can walk you through the options and give you premium quotes. It is better to protect yourself rather than rely on other drivers to have adequate coverage.
If you have been in an accident that an uninsured driver caused, seek medical care if necessary, file a police report, and contact your insurance provider. Try to document everything that happened while it’s fresh in your head. From there, it may be necessary to hire a lawyer. Laws vary by state on who may be responsible for paying for damages.
You can expect a car accident lawyer to:
- Assess the accident and apply the law
- Negotiate with your insurance company
- Walk you through the claim
- Help you collect damages
If you are dissatisfied with what your insurance company is offering you, an uninsured motorist lawyer, like our friends at Cohen & Cohen, can assist you. With proper insurance coverage, you should not be responsible for damages caused by an uninsured driver.