(UINSURED AND UNDERINSURED MOTORIST COVERAGE)
Part 3 of 3:
This is where Uninsured and Underinsured Motorist coverage comes in. If you find yourself injured by a driver who has no insurance coverage, or if your bills exceed the limits of said coverage, then your own insurance company may be the answer. Your liability carrier probably offers some form of this coverage (or “UM”) for just such situations. Every driver should ask their insurance reps about UM coverage, and then make sure you have it, and if not, should immediately get it. UM covers the situations where the other driver has policy limits that are too low, or nonexistent altogether. UM will even cover some ‘hit-and-run’ accidents (though not all, so again, ask your representative). There’s less expensive UM coverage that only offset the at-fault driver’s liability coverage. And there’s more expensive, add-on, or “stackable” coverage that you can add to liability payouts.
Once again, it’s essential to talk to your insurance carrier and make sure that you purchase UM coverage that’s right for you. And, as always, when you’re involved in an accident and you’re injured, you should immediately start treating, with a physician or a chiropractor. With many accident injuries, it’s not uncommon for symptoms to appear days (or even weeks) after the trauma, so it’s essential to get into a doctor as soon as possible (and gaps in treatment look bad when trying to settle with an insurance company). And finally, when you are injured in an accident, a competent attorney who understands personal injury is essential to being compensated for your damages (and that includes pain and suffering). At Melman Law Group, we not only handle personal injury cases, it’s all we do. So feel free to check out our information online and be prepared. And remember: the at-fault insurance carrier who tries to convince you to go without legal representation is not your friend – they are watching their bottom line and paying out as little as possible on your claim is their objective. But a good PI attorney is your representative, and their only job is to protect your interests. At Melman Law Group, we’re here for you.