Uninsured/Underinsured  Motorist

Most states require a minimum amount of liability insurance to be carried by motorists, recent estimates suggest that 14 percent of drivers in the United States do not carry auto accident insurance. This means that if you are involved in a car accident, there approximately a 1 in 7 chance that the driver at fault is uninsured.

Even if you carry auto accident insurance, recovering damages from a car accident can be difficult if the person who caused your injury and/or damages does not carry liability insurance, or is underinsured and unable cover the full cost of damages you incurred. In most cases, a driver is uninsured for economic reasons. They don't carry auto accident insurance because they do not have the financial resources to do so.

This being the case, if you pursue legal action against the uninsured motorist, even if your case is successful, you may still be responsible for covering your accident related expenses if the uninsured motorist does not have the financial means to compensate you.

 Many insurance carriers offer uninsured motorist coverage. In some states, this coverage is mandatory. The coverage allows you to collect damages from your insurance company in the event that you are hit by an uninsured or underinsured motorist. It is important to contact an experienced accident attorney soon after a car accident as he or she may know about some coverage that you are unaware of.

Sometimes, you may be able to pursue legal action against your own insurance company for damages caused by an uninsured motorist. Contacting an  attorney with experience handling uninsured motorist accident claims may help you receive fair compensation if you are involved in an accident with an uninsured motorist. An experienced accident attorney  will know how to read your insurance policy and determine the right course of action to help you receive the recovery you are entitled to.

Being  in a car accident is something you are never quite ready for, it is something that you can prepare for. First, check your insurance policy to see if you are covered for uninsured motorist accidents. If not, ask your insurance carrier for information about purchasing this coverage.

Another way to be prepared for a car accident with an uninsured driver is to know what steps you should take after a car accident.  Be sure to document as much information about the person you had the accident with as possible so that you can contact them later. Also, if they have an expired insurance policy, be sure to write down the insurance carrier’s information so you can contact them to be certain that the person’s insurance is indeed cancelled.

Finally, be sure to choose an attorney with expertise handling your type of claim.  An experienced  attorney may be able to help you recover damages if you are involved in an accident with an uninsured driver.

http://www.accidentinfo.com/