Benefits of Uninsured and Underinsured Motorist Coverage
If you were in an accident that was not your fault, the last piece of information you want to hear is that the other driver is uninsured or did not have sufficient insurance coverage. Having uninsured and underinsured motorist coverage can help. We have litigated many personal injury lawsuits. However, many people would rather avoid the extensive process of litigating a lawsuit altogether and hope to settle with the responsible party’s insurer. Uninsured motorist coverage is a component of many insurance policies that is purchased to provide protection for those injured and damaged by another driver who does not have insurance at the time of the collision. Typically, Uninsured coverage is not expensive and should be a part of your insurance policy. If you have questions, contact your agent or contact us to discuss.
The same goes for underinsured motorist coverage. Like the name would suggest, underinsured motorist coverage helps pay your expenses if you are hit by a driver who does not have coverage that is sufficient to compensate you or those in your car for injuries, property damage, etc. The main difference between uninsured motorist coverage and underinsured motorist coverage is that with uninsured motorist coverage, you are protected from drivers with zero car insurance and with underinsured coverage—the adverse driver has coverage…it is just not enough to pay for the damages caused. In Kentucky, it is illegal to drive a car without insurance. This is another relatively inexpensive coverage that should be a part of your policy.
Both uninsured and underinsured motorist insurance can be used to help cover the following expenses:
- Medical expenses for injuries that resulted from the accident
- Funeral costs
- Loss of income
- The costs of treating emotional and mental issues that result from an accident
- Pain and Suffering that results from accident-related injuries
Most insurance plans come with uninsured motorist bodily coverage and also include underinsured motorist coverage as well. Make sure you know if your plan has both—and ask questions. One place you can find the specifics of your plan is on the “Declarations Page” or “Dec Page”. You may also want to contact your agent to make sure you have both.
Personal Injury Attorneys and Uninsured Motorist Claims
When it comes to navigating uninsured or underinsured motorist claims, if you are having trouble proving that the other party was underinsured, a personal injury lawyer can help. Brett H. Oppenheimer will advocate on your behalf and make sure you are reaping the full benefits of the other party’s insurance.
To learn more about how the team at Brett H. Oppenheimer, PLLC can help you get the protection you deserve in any kind of personal injury case, give us a call at (502) 242-8877 or contact us online.