If you’re injured in a car wreck and the at-fault driver does not have enough car insurance coverage to pay for your medical bills, lost wages, pain, and/or suffering, you may be on the hook for thousands of dollars for damages that were not your fault. Fortunately, there is insurance coverage for these situations that you can add to your automobile insurance policy. It’s called Underinsured Motorist Coverage, and every driver should have it.
What is Underinsured Motorist Coverage
Underinsured motorist coverage protects you if you’re in a car wreck and the at-fault driver does not have enough insurance coverage to pay for your damages. For example, let’s say that you got in a car wreck, but it wasn’t your fault. In most cases, you would file your claim with the at-fault driver’s car insurance company, get your car repaired, and receive compensation for your lost wages, medical expenses, and pain and suffering, etc. There’s no out of pocket expenses for you.
However, let’s say the driver who hit you doesn’t have enough car insurance to cover your damages. This, unfortunately, happens more often than you think. When this occurs, you will be responsible for paying for your out of pocket medical expenses, and other damages out of your own pocket.
Get Underinsured Motorist Coverage
Underinsured motorist coverage can typically be added to your current automobile insurance coverage for just a few extra dollars a month. It could mean the difference in thousands of dollars in out of pocket costs if you’re involved in a car wreck with someone who doesn’t have enough insurance coverage on their vehicle.
If you are a loved one was injured in a car wreck, contact me. I fight to ensure that my clients receive maximum compensation for their injuries and make sure every insurance policy available to you is factored in your settlement.