By: Matthew Tievsky
If you are injured in a
motor vehicle collision, what can you do if the at-fault driver has no insurance? What can you
do if the at-fault driver has insurance, but not enough to fully compensate
you for your injuries?
You can protect yourself ahead of time by purchasing a policy for
underinsured motorist coverage. An
uninsured motorist policy covers you in the event that the at-fault driver has no insurance. (It
also covers you in the event that the at-fault driver cannot be identified,
such as in a hit-and-run collision.)
If you purchase an uninsured motorist policy with a limit of $100,000,
for example, then you can obtain up to $100,000 in compensation from your
own insurance company in the event that you are hurt by an uninsured driver.
An underinsured motorist policy covers you in the event that the at-fault
driver has insurance, but not enough to compensate you. If you purchase
an underinsured motorist policy with a limit of $100,000, and you were
hurt by a driver with only $30,000 in insurance coverage, then your own
insurer may have to pay you up to $70,000 after the at-fault driver pays
you $30,000 from his insurance policy.
And you don’t have to worry about your rates going up if you make
use of your uninsured or underinsured motorist policy. Once you purchase
the policy by paying premiums, it is
your right to use your insurance policy. It is always advisable to have these insurance
policies to protect you just in case. You don’t want to get hurt
in a motor vehicle collision by someone who has no ability to pay your
If you have been injured in a motor vehicle collision and have questions
about insurance coverage, then you should
contact our DC injury attorneys at Chaikin, Sherman, Cammarata & Siegel, P.C. for a free consultation.