The Importance of Uninsured Motorist Coverage
Car accidents are a common occurrence on the roads of Washington, DC. With a high population and heavy traffic, it’s no surprise that many drivers find themselves involved in car accidents. But what happens when you get into an accident with someone who doesn’t have an auto insurance policy? That’s where uninsured motorist coverage comes in.
Why Get Uninsured Motorist Coverage?
Uninsured motorist coverage is a type of auto insurance that protects you in the event of an accident with someone who doesn’t have insurance. In DC, it is not mandatory for drivers to have uninsured motorist coverage, but it’s highly recommended. Here are some reasons why you should consider getting uninsured motorist coverage in DC.
Uninsured Drivers in DC and Those Traveling From Other States
Although it’s a requirement for drivers in DC to have auto insurance coverage, there are still many people who choose to drive without it. In fact, according to a study by the Insurance Research Council, an estimated 12% of drivers in Washington, DC., do not have car insurance.
In addition, with DC’s proximity to other states like Maryland and Virginia, there is a high chance of encountering uninsured drivers from these areas. In Maryland, approximately 14% of drivers do not have car insurance, and in Virginia, 10% of drivers do not have car insurance.
Uninsured Motorist Insurance Coverage Protects You from Financial Loss
One of the main reasons to get uninsured and underinsured motorist coverage is to protect yourself from financial loss. Being involved in a car accident with an uninsured driver can result in expensive medical bills, vehicle repairs, and even lost wages if you are unable to work due to your injuries.
Having uninsured motorist insurance coverage can provide the necessary financial protection for you and your family, giving you peace of mind knowing that you are financially covered in case of an accident.
Protection Against High Medical Costs
Being in a car accident can result in serious injuries that require medical attention. Being hit by an uninsured driver means that you’ll have to cover the expenses for your medical bills and any other damages on your own. These medical bills can quickly add up and become a financial burden for you and your family.
Having uninsured motorist coverage can provide added protection by covering these costs in the event of an accident with an uninsured driver. This can help ease the financial stress and allow you to focus on recovering from any injuries sustained.
Coverage for Injuries and Damages
Uninsured motorist coverage not only protects you from financial loss but also provides coverage for injuries and damages sustained in an accident. This includes medical expenses, property damage, and even pain and suffering.
Without uninsured motorist coverage, you may have to go through a lengthy legal process to try and recover compensation from the uninsured driver. With this type of insurance, you can avoid the hassle and have the peace of mind that you are protected in case of an accident.
Coverage for Hit-and-Run Accidents
In some cases, the driver who caused the accident may flee the scene, leaving you without any way to identify or contact them. This is known as a hit-and-run accident, and unfortunately, it’s not uncommon.
If you have uninsured motorist coverage in DC, you can still receive compensation for your injuries and damages even if the at-fault driver cannot be identified. This can provide peace of mind, knowing that you have a safety net in these types of situations.
Protection for Passengers
Uninsured motorist coverage not only protects the driver but also extends to passengers in the vehicle. If you are involved in an accident as a passenger and the at-fault driver is uninsured, your uninsured motorist coverage can cover your medical expenses and any other damages. This can be especially important for passengers who may not have their own auto insurance.
How to Get Uninsured Motorist Coverage in DC
Uninsured motorist coverage can be added to your existing car insurance policy or purchased as a standalone policy. It’s important to speak with your insurance provider about what options are available and the amount of coverage you should consider based on your needs.
Types of Uninsured Motorist Insurance
There are typically two types of uninsured motorist liability coverage available:
Uninsured Motorist Bodily Injury (UMBI)
Uninsured Motorist Bodily Injury (UMBI) provides coverage for injuries to you and any passengers in your vehicle if you are hit by an uninsured or underinsured driver. It can also cover lost wages and, in some cases, pain and suffering.
Uninsured Motorist Property Damage (UMPD)
Uninsured Motorist Property Damage (UMPD) covers damage to your vehicle if you’re hit by an uninsured driver. However, it’s important to note that in some states, including DC, UMPD coverage does not cover hit-and-run incidents.
Both types of coverage are crucial in protecting yourself financially in the event of an accident with an uninsured driver. Speak with your auto insurance provider to learn more about how UMBI and UMPD can benefit you.
What is the DC Uninsured Motorist Fund?
The DC Uninsured Motorist Fund (DC UM Fund) is a government program that provides compensation to individuals who are injured in an accident with an uninsured driver and do not have their own auto insurance or sufficient coverage.
If you are involved in an accident with an uninsured driver and do not have your own uninsured motorist coverage, you may be able to receive compensation from the DC UM Fund. However, this fund has limited resources and may not fully cover all of your expenses.
What Should You Do If You Are In An Accident With An Uninsured or Underinsured Motorist?
Ensure Safety
First and foremost, ensure the safety of all involved. If necessary, move to a safe distance from the traffic and call for medical help if anyone is injured.
Notify the Police
Always call the police to report an accident. A police report can provide valuable evidence if you need to file a claim.
Collect Information
Gather as much information as possible from the other driver, including their name, contact details, and vehicle information. Even if they are uninsured or underinsured, this information can be useful.
Document the Scene
Take photos or videos of the accident scene, including the vehicles involved, any visible injuries, and any other relevant details. This can provide important evidence for your insurance claim.
Contact Your Insurance Provider
Notify your own insurance company as soon as possible. They can guide you through the process of filing an uninsured or underinsured motorist claim.
Seek Legal Advice
Depending on the severity of the accident and the complexity of the situation, you may want to consult with a personal injury lawyer. They can help you understand your rights and the best course of action for your specific situation.
How Can Our Car Accident Lawyers at Chaikin, Sherman, Cammarata & Siegel P.C. Help?
Case Evaluation: Our car accident lawyers can provide a free evaluation of your case to determine if you have a valid claim and understand the extent of your potential compensation.
Claim Filing: We can assist you in properly filing an underinsured or uninsured motorist claim with your insurance company.
Negotiation: Our experienced team can negotiate with your insurance company to ensure you receive the maximum compensation you’re entitled to.
Legal Representation: If necessary, we are prepared to represent you in court to fight for your rights and ensure justice is served.
Guidance and Support: Throughout the entire legal process, our lawyers provide constant guidance and support, ensuring you understand each step and helping to alleviate the stress of the situation.
We Are Here For You
No one should have to deal with uninsured motorist claims alone. Our team of experienced car accident lawyers is dedicated to advocating for your rights and ensuring you receive the compensation you deserve.
At the law firm of Chaikin, Sherman, Cammarata & Siegel P.C., we understand the complexities and challenges of dealing with an accident involving an uninsured or underinsured motorist. Contact us today for a free case evaluation, and let us help you get the compensation you deserve.