Are You Adequately Protected Against Uninsured Motorists?

It’s an unfortunate reality – car accidents can happen at any moment. In that split second, you’re suddenly forced to grapple with damage to your vehicle and, more importantly, potential injuries for yourself and your passengers. 

The driver who is not at fault usually assumes the insurance company for the driver who caused the accident will cover any repair and medical costs. But what happens if the at-fault driver doesn’t have any insurance or their policy doesn’t provide enough coverage to pay for your damages and medical costs?  That’s where uninsured motorist coverage comes in, and it’s a critical aspect of your coverage. 

What is uninsured/underinsured motorist coverage?

Uninsured motorist coverage protects you if the at-fault driver doesn’t carry any liability insurance. This happens much more often than you might think – research shows that up to one in eight drivers don’t carry insurance. Of uninsured drivers, 82% can’t afford car insurance or use a vehicle that is considered inoperable. 

Underinsured motorist coverage protects you if the at-fault driver doesn’t have enough insurance to cover your damages. For example, they may have enough coverage to pay for the damage to your vehicle, but not enough to pay your medical bills. 

Sometimes these two coverages are bundled together in your policy, and other times, they’re separate elections. Each policy defines these coverages differently, so it’s important to understand your specific coverage. 

Do I really need uninsured motorist coverage?

The short answer: yes. Even if you are a safe, reliable driver, you can’t predict how other people drive, and you shouldn’t have to pay the price if an at-fault driver doesn’t have the insurance coverage necessary to recoup your losses. Some states even require drivers to have this coverage, so check the requirements in your area.

Across the United States, the number of injuries and deaths caused by car accidents is on an unfortunate incline. Proactively protecting yourself against motorists who choose not to elect appropriate coverages is your best defense in the event of an accident. 

Uninsured motorist insurance doesn’t just cover you in the driver’s seat – our office secured a six-figure settlement for a cyclist who was injured by a driver. Whether you’re walking, riding a bike, or driving, uninsured or underinsured motorist coverage will ensure you have the resources for any necessary repairs and medical costs.

How much uninsured motorist coverage do I need?

It depends on your policy, but you typically have the option to choose your level of coverage, or some policies match the coverage to the amount of your liability coverage. According to the National Association of Insurance Commissioners, the average uninsured motorist claim payout is $32,879.  If you have questions about your specific policy, talk to your insurance advisor about your options.

If you or a loved one is facing damages and/or injury caused by an uninsured/underinsured motorist, or your insurance company is denying your uninsured/underinsured motorist claims, our team can help. 

The information contained herein is for general purposes only and does not constitute legal advice.