Uninsured Motorist Coverage in a Car Accident

Uninsured Motorist Coverage in a Car AccidentYou may think you are prepared when a car accident happens. Everybody is required to carry car insurance, right? However, some people get past this and drive without insurance. This could open up entire new doors for you when you get into an accident and the information comes to you that the other driver was uninsured. You may be faced with some questions regarding who is going to pay your damages. Uninsured motorist coverage may be your best option for gaining the fixes you deserve after your property has been damaged.

What Are the Limits of This Insurance?

Let’s say that you have uninsured motorist coverage to cover an accident where the other party does not have proper insurance. Most states will actually require insurance policies to contain minimum uninsured motorist coverage around the $20,000 range. However, you can always purchase additional uninsured coverage as well. However, the uninsured coverage cannot exceed your primary coverage.

What Are the Pros and Cons of Uninsured Motorist Coverage?

Like all things, there comes a good and bad side to uninsured motorist coverage. The main benefit involved in this coverage is the fact that you get insurance even though you have been hit by an uninsured driver. It is always worth the money to make sure that you have uninsured motorist coverage because there will always be drivers on the road without insurance.

As far as the downside, there aren’t many, only things relating to being hit by an uninsured motorist. For instance, if you do not carry this insurance and nobody can pay for the costs, you will go without. This means you will have to pay out of pocket for all damages. You may also lose the right to pursue a negligent driver for damages because there could be limits stating that you are limited to the amount that you recover from your own insurance company.

The Process

Typically, if you are going to file a claim, it will progress almost the same way as a regular car accident claim. However, the claim will be against your own insurance company instead. You should expect a pretrial investigation, disclosure of your medical records, and depositions of witnesses. You will have to see an arbitrator if you and your insurer cannot reach an agreement, where the arbitrator will decide who wins the settlement.

You should always act quickly if you are making a claim, because time is always money. You should give notice to your insurance carrier immediately. The time for these claims is limited, being as little as 30 days in some cases. You should also expect your insurance company to investigate everything that has happened thus far. This includes medical treatment, the nature of your injuries, and more. Insurance companies legally have a duty to handle claims in good faith so, if you suspect they have not, then they have violated their rights.

So, what can you do if you are involved in a car accident and the other driver doesn’t have insurance? This is why it may be in your best interest to carry uninsured motorist coverage after all. If you have been involved in a car accident that resulted in damages, you may want an attorney on your side that you can trust. Call Welebir | Tierney to discuss your case today. We will speak with you about your options.

Attorney Advertising. This web site is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship. The hiring of an attorney is an important decision. The information you obtain in this website is not, nor is it intended to be legal advice. You should contact an attorney for individual advice regarding your situation


Our Results Are About More than Just Money

Victory Means Our Clients Don’t Have to Worry About the Future

  • $13,500,000.00


    A car was rear-ended at high speed on a freeway exit, causing the bumper to be pushed into back seat where a 22-year- old ...

  • $6,000,000.00


    National package delivery truck driver veered from his lane of traffic to on-coming lane and hit head on, drove up, and over ...

  • $4,250,000.00


    A school van turned left in front of a motorcyclist, nearly taking off his lower left leg. The accident resulted in a serious ...