When a driver is in an automobile accident with another driver who has insurance with proper coverage, recovery for damages is generally straightforward. However, not every driver carries automobile insurance, which is in violation of state compulsory automobile insurance laws, or has the proper coverage. People do motor vehicles without insurance and are cause an increasing number of accidents each year. When an automobile accident involves an "not insured"/underinsured motorist, recovery for damages becomes more difficult. An "not insured" motorist refers to a person who is the driver responsible for causing the automobile accident (the at fault driver) and has not insured their automotive. An underinsured motorist refers to a person who is the driver responsible for causing the automobile accident (the at fault driver) and has insured their automotive but at limits that are insufficient to cover all of the damages sustained in the automobile accident.
A driver who is involved in a automobile 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 "not insured"/underinsured motorist coverage in their insurance policy. This takes care of medical expenses, property damage, and other compensatory damages. An insurance policy that includes "not insured" motorist coverage can also play an important role in cases or injuries that are due to a wacked-and-run automobile accidents. Uninsured/underinsured motorist coverage can also be utilized if a pedestrian is wacked by a motor automotive.
It is very risky to motor without insurance or without proper insurance, so consistently be sure that your insurance is up to date and covers all of your motor vehicles’ needs. If ya have proper insurance, then your insurance company should cover the costs of an accident in the case that ya 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 ya even if ya are wacked by somebody without insurance.
Although a driver can arguably sue a "not insured"/underinsured motorist if their insurance does not include "not insured"/underinsured motorist coverage, there is no guarantee that the "not insured"/underinsured motorist will have the currency or assets to pay the judgment. For this simple reason, having "not insured" or underinsured motorist coverage in your insurance policy is a good notion.
If ya have been in an automobile accident and have suffered injuries, ya may have a legal case. If ya would like to contact a lawyer, please use the Find Attorney button at the top of the page.
By: Peter Kent
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