What is Uninsured Motorist Coverage?
The uninsured motorist clause is a provision within an auto insurance policy that offers coverage to an insured driver and their passengers if they are involved in an accident caused by an uninsured or underinsured driver. In no-fault states, where drivers are required to carry personal injury protection coverage, uninsured motorist coverage adds an extra layer of protection beyond medical expenses.
While no-fault insurance covers medical expenses regardless of who is at fault, it may not cover property damage or damages exceeding policy limits.
The uninsured motorist clause comes into play when the at-fault driver lacks insurance or their coverage is insufficient to fully compensate you. It can help cover property damage, medical bills, and even lost wages that surpass the limits of your own policy.
What Are the Benefits of UMC?
Financial protection. In the event of an accident involving an uninsured or underinsured driver, this coverage ensures that you’re not left financially burdened by the resulting damages.
Full compensation. Uninsured motorist coverage helps bridge the gap between the damages incurred and the coverage available from the at-fault driver’s insurance, if any.
Property damage. Beyond medical bills, this coverage may also include repairs or replacement costs for your vehicle.
Peace of mind. Knowing you’re protected from uninsured or underinsured drivers gives you peace of mind while navigating the roads.
How Can An Attorney Help After An Automobile Accident?
The car accident lawyers at Friedland & Associates thoroughly investigate the accident to determine liability, gather evidence, and assess damages. They analyze police reports, witness testimonies, medical records, and other crucial pieces of evidence to build a strong case for compensation.
Our legal team can also help by:
- The car accident lawyers at Friedland & Associates can handle interactions with claims adjusters, ensuring your rights are protected, and you receive fair compensation.
- Our experienced car accident lawyers can guide you through the complexities of uninsured motorist coverage, negotiate with insurance companies, and help you receive the compensation you deserve.
Contact Us Today!
If you were involved in a motor vehicle collision, contact a car accident lawyer at Friedland & Associates today to schedule a free consultation.
Our legal team is committed to providing personalized legal support tailored to your case’s unique circumstances. Reach out today to learn more.