Uninsured/underinsured Motorist Coverage: An Essential Auto Insurance Benefit

 Uninsured/underinsured Motorist Coverage: An Essential Auto Insurance Benefit - After a traffic accident, most drivers assume that the person at fault has insurance that will pay for medical bills, damages and post-injury losses. Unfortunately, this is not always the case. Sometimes other drivers don't carry the insurance you need, which means extra stress during an already difficult time. If you have been injured after an accident with an uninsured driver, you need to consult with a Nevada car accident lawyer who can help you understand your options.

Uninsured motorist coverage is a type of coverage available through your own auto policy that you can take advantage of when an at-fault driver does not carry insurance to cover your damages. Uninsured motorist insurance can usually be used to cover your medical expenses, damage to your vehicle and other property, lost income as a result of the accident, and other expenses you may face.

Uninsured/underinsured Motorist Coverage: An Essential Auto Insurance Benefit

Uninsured motorist insurance is different from your own liability insurance because it covers your injuries and expenses when an uninsured driver is at fault in a vehicle accident. In contrast, your liability insurance will pay for the injuries and expenses of other injured drivers if you are at fault in an accident.

Automobile Insurance Guide

Similar to uninsured motorist coverage, uninsured motorist coverage is used when the at-fault driver has some coverage, but does not have enough coverage to compensate you as the injured party for all of your damages from the collision. Underinsured drivers are surprisingly common because most drivers will only carry the minimum amount of insurance required by state laws. Unfortunately, expenses and damages resulting from serious car accidents can be much more than what a minimum insurance policy will cover.

If you have underinsured motorist insurance in your policy, you can feel more confident about the future because the policy can make up the difference between what at-fault driver insurance will pay and the amount it could that you really need if you are seriously injured. .

If you have been in an accident with an uninsured or underinsured driver, your Reno truck accident lawyer can help you recover damages to cover all of your damages.

The state of Nevada does not require drivers to transport uninsured motorists. Although it is usually available as an option, state laws do not require drivers to carry it. Talk to your insurance agent about what options are available in your policy so that you can be protected in the event of an accident.

Underinsured Motorist Endorsement Definition

After a car accident, you may be facing a lot of medical bills and property damage along with uncertainty about the future. Unfortunately, it can be difficult to recover compensation if the at-fault driver is underinsured. Uninsured/underinsured motorist transportation can provide compensation for these losses along with harm to your future earning potential, pain and suffering, and other damages.

The days and weeks after a car accident are often full of pain, fatigue and stress. Follow these tips to help build your case with your Henderson personal injury lawyer:

Contact your trusted Reno car accident lawyer to take the stress out of your situation so you can focus on your recovery. Our legal team can help you by doing the following:

The state of Nevada has a two-year statute of limitations on personal injury cases, but don't wait. The sooner you contact our law office, the sooner we can start working on your case. It is important to collect evidence and file paperwork as soon as possible after an accident.

Florida Uninsured Motorist Insurance

The legal team at Benson & Bingham Accident Injury Lawyers, LLC has nearly two decades of experience working with personal injury cases in Nevada. We understand the intricacies of Nevada state law! Our company provides a personal, compassionate service in every case. Trust us with your case - call our office today to schedule your no-obligation consultation. Home // Car Accidents // South Carolina and Georgia Car Accident FAQs // Uninsured and Underinsured Motorist Coverage in South Carolina

If you don't know about uninsured and underinsured motorist service in South Carolina, it could cost you a lot of money. When you are hurt in an accident due to negligence and that person does not have insurance, your uninsured motorist insurance could help cover your losses.

Also, if your damages are more than the other person's coverage, your underinsured coverage could help with the additional losses. Finally, uninsured motorist insurance could cover your losses if you are injured in a hit and run accident. The insurance industry treats hit-and-run collisions as situations involving uninsured motorists.

South Carolina requires all drivers to purchase auto liability and uninsured motorist coverage. The Office of Consumer Services explains that there are three parts to the required liability insurance:

New Orleans Uninsured Motorist Coverage

You must carry at least $25,000 per person and $50,000 per accident in bodily injury liability insurance. This comment could pay things like:

The liability cover on your insurance policy does not cover any of your losses; it only pays for other people's losses when you cause an accident.

The minimum coverage for property damage per accident is a total of $25,000. Your property damage liability insurance does not cover damage to your vehicle or property. It will only pay if vehicles and other property such as buildings or fences are damaged or destroyed due to your negligence.

You must purchase at least the same amount of uninsured and underinsured coverage as standard minimum liability coverage. This looks like:

Uninsured/underinsured Motorist Coverage (um/uim) & Why You Need It

This coverage can cover your losses if the other driver causes the accident and has no or insufficient insurance. Some wonder if underinsured and underinsured coverage are different. However, the name refers to one comment that helps in two situations.

According to the South Carolina Department of Insurance, our state does not require vehicle owners to purchase underinsured motorist insurance. You will only have this optional protection if you bought the minimum liability cover.

SC Code Section 38-77-160 says that your auto insurance carrier must offer, at your option, uninsured and underinsured motorist coverage up to the limits of your actual liability coverage. If you have liability insurance that exceeds the minimum state insurance requirement, your insurer must allow you to purchase uninsured and underinsured motorist coverage in that amount as well.

Uninsured and underinsured motorist coverage is secondary. You must first make a claim against the at-fault driver's car liability insurance for your injuries, medical expenses, lost wages, pain and suffering, and other losses.

How Much Uninsured Motorist Insurance Should I Get?

Let's say your damages total $50,000 for bodily injury and $40,000 in property damage and you purchased optional uninsured motorist coverage in the amount of 25/50/25.

The amount of actual coverage in a particular accident may vary. The at-fault driver may have liability limits higher than the minimum, and you may purchase underinsured coverage with limits higher than 25/50/25.

Another driver could cause a collision and not have the minimum coverage required by South Carolina law. If this happens, your auto policy may cover your losses up to the limits of your uninsured motorist insurance.

Also, if the at-fault driver illegally flees the scene of the accident, you could not turn to another driver present at the scene for attention. For this reason, insurers treat hit and run accidents the same as uninsured drivers.

Claiming Uninsured Motorist Coverage Benefits In Florida — Broward Injury Lawyer Blog — March 15, 2020

You are allowed to purchase more than the minimum required for uninsured motorists, in accordance with SC Code Section 38-77-140. Considering how much your losses could be for even moderate injuries, $25,000 could easily be insufficient to cover your bodily injury compensation. Also, if your car is totaled, it could cost more than $25,000 to buy a new vehicle.

Your insurance agent may not explain to you after an accident that your uninsured or underinsured motorist insurance may cover some of your losses. If you don't know your rights to compensation under your own policy, you may end up paying those losses out of your own pocket.

If you work with a car accident lawyer on your accident injury claim, your lawyer can protect your rights. They can also collect evidence that supports your claim, negotiate with the other party, and represent you in court, if necessary.

You can call George Sink, P.A. Injury Lawyers today at (888) 612-7001 for a free consultation. We want to know how your accident has affected you. You could recover compensation that covers your accident-related losses.

Stacking Your Uninsured Or Under Insured Motorist Coverage In Florida

DISCLAIMER: Information on this website is not legal advice. Reviewing the information on this website does not create an attorney-client relationship with the law firm. Nothing presented on this website reflects endorsement by the US Government or any branch of the military. The attorney, investigator, or company representative can visit you anywhere in SC or GA for initial investigations in many circumstances. George Sink, Sr. licensed in SC.

*No fee if there is no recovery. Fees calculated before deducting expenses from recovery. "We don't get paid until you get paid" or similar language referring to fees charged by the attorney only. Court costs and other additional expenses of legal action must usually be paid by the client. Contingent attorneys' fees refer only to those fees charged by attorneys for their legal services Contingent fees are not allowed

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