When each driver involved in an accident are fully insured, then covering the cost of the damages usually is straightforward. However, in many cases, one or both of the drivers are underinsured, or not insured at all. Underinsured means that the driver has insurance, but it is not sufficient to cover all costs involved in the accident. An uninsured driver is someone who is operating their vehicle without any insurance at all. Although it is against the law to drive in either of these conditions, many people do anyway, and the amount of accidents involving insufficient insurance is increasing every year.
A driver who is involved in a car crash with a driver who has no insurance or has insufficient insurance, then their insurance company would cover the costs if the driver had included uninsured/underinsured motorist coverage in their insurance policy. This takes care of medical expenses, property damage, and other compensatory damages. An insurance policy that includes uninsured motorist coverage can also play an important role in cases or injuries that are due to a hit-and-run car accidents. Uninsured/underinsured motorist coverage can also be utilized if a pedestrian is hit by a motor vehicle.
It is extremely risky to drive without insurance or without proper insurance, so always be sure that your insurance is up to date and covers all of your motor vehicles' needs. If you have proper insurance, then your insurance company should cover the costs of an accident in the case that you are at fault. If the other driver is at fault, then their insurance should pay. However, in the case that the other driver does not have insurance or their insurance isn't sufficient, it is wise to have an insurance plan that covers you even if you are hit by someone without insurance.
Even though a driver has the right to take legal action against an underinsured or uninsured motorist, if their insurance does not cover uninsured/underinsured motorist coverage,they are not guaranteed money because the other person involved in the accident may not have the assets to pay for the judgement. For this reason, having uninsured or underinsured motorist coverage in your insurance policy is a good idea.
If you have suffered injuries from an automobile accident, it is possible that you will have a successful legal case. If you would like to contact a lawyer, please use the Find Attorney button at the top of the page.
