Uninsured and Underinsured Motorists
Washington, DC Car Accident Lawyers
Most states require motorists to carry some kind of insurance, but we know
that not all drivers who are supposed to actually do. If you are involved
in an auto accident with someone who does not have auto insurance, or
not enough insurance to cover all damages or injuries, your own insurance
may cover this - if you have uninsured motorist (UM)/underinsured motorist
(UIM) coverage. This may increase your auto insurance premium, but it
is there to help in case you are ever involved in an accident with someone
who has no insurance, or too little insurance, to cover bodily injury
or damage to your vehicle.
All states have different insurance regulations with regard to the minimum
amount of liability coverage. For example:
Washington, DC - $25,000 per person and $50,000 per accident; $10,000 for property damage
Virginia - $25,000 per person and $50,000 per accident; $20,000 for property damage
Maryland - $20,000 per person and $40,000 per accident; $10,000 for property damage
It is when these amounts are surpassed that you may be glad you paid that
extra money for the insurance policy you have. However, in cases where
you did not, or the insurance company refuses to pay due to questions
of who was at fault, you should speak to an attorney experienced with
UM/UIM accidents. This can become a very complicated process and it is
good to have someone who knows the legal ins and outs on your team.
Uninsured vs. Underinsured Motorist Claims
Uninsured Motorist - If you are stopped at a red light in Washington, DC and someone hits
you from behind causing personal injury and property damage, but they
are uninsured, your UM coverage comes into play.
Underinsured Motorist - This type of coverage comes in when the person at fault has less coverage
than the amount of damage to you or your vehicle. If the other driver
only has $20,000 of insurance, you can file a claim with your insurance
company to make up for the difference between the limits of the other
party's insurance and what your limits are.
The UM/UIM policy covers expenses for suffering, disfigurement, all medical
expenses and property damage.
Washington, DC Car Accident Attorney
Unfortunately, it is not always easy to collect these insurance benefits.
You must exhaust the other driver's insurance liability limits in
the case of UIM, and you must speak with your insurance company regarding
the other insurance company's settlement offer. And procedural error
may cause a forfeiture of compensation no matter which insurance agency
you are dealing with. And if you are involved in a hit-and-run accident,
but your insurance company claims there is no coverage for an accident
like that, then you need to speak with an experienced car accident attorney.
An experienced auto insurance attorney can speak with the insurance company
or companies so you don't have to, and make sure you are receiving
all the benefits to which you are entitled. Before you consider settling
the offer from either insurance company, speak with someone who has your
best interests at hand. If you are involved in an
car accident with an uninsured or underinsured motorist in the Washington, DC area, please
contact us; our
Washington, DC car accident lawyers can help you recover the compensation that you deserve. We offer a
free initial consultation.