Uninsured motorists on the road
Sometimes it takes a personal injury attorney to untangle insurance issues after you have been involved in an accident. According to statistics, nearly 20% of all drivers in the United States fail to carry auto insurance. This means that if you are involved in an accident, the chances are significant that you could be involved with an uninsured motorist. In addition, these statistics do not take into account the numerous accidents that are caused by underinsured motorists. It is prudent to keep this in mind when determining your needs for coverage when deciding upon your own insurance policy.
Although uninsured or underinsured drivers are the ones who are breaking the law, it remains your responsibility to ensure your protection in the event of an accident. In such cases, you would be able to file a claim with your own insurance company to receive compensation for the damages that the other driver has caused. Just as in the case of other accidents, you may be entitled to claim reimbursement for medical expenses, pain and suffering, loss of earnings, and possibly emotional distress.
Uninsured versus underinsured
Uninsured motorist coverage is not the same as underinsured motorist coverage. Uninsured coverage is self explanatory. Underinsured coverage allows you to seek additional compensation from your insurance carrier when “at-fault” drivers are inadequately insured. For example, if you were involved in a serious car accident that resulted in $100,000 in damages and the “at fault” driver only carries a minimum amount of coverage with limits of $25,000, you can pursue the difference in compensation from your own insurance company by filing a claim for the difference in damages.
Consult with a personal injury attorney in Charlotte
If you or a family member has been involved in an accident with an uninsured or underinsured driver, it may be in your best interests to discuss your case with a personal injury lawyer from The Olive Law Firm. Even if your policy clearly states that you are entitled to certain types of coverage, insurance companies are not always willing to cooperate. It may be necessary for you to consult with a legal professional who can step in and resolve the situation.
The Olive Law Firm has been protecting Carolinians for over 56 years. They can help you answer and provide answers to any inquiry by your insurance company after you have filed your claim. It is better to let an attorney handle these discussions, because it is possible for your words to be turned against you. There is also the fact that you may not feel the full effects of your injuries for a long time. Your health and well-being depend upon your receiving just compensation for follow-up treatment. Call their office today for a free consultation with a personal injury attorney.