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Personal Injury Blog

  • Protecting Yourself with an Uninsured and Underinsured Motorist Policy

    Posted By Chaikin, Sherman, Cammarata & Siegel, P.C. || 23-Jun-2016

    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 uninsured and 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.)

    Car Accident Lawyer DC

    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 medical bills!

    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.

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