Uninsured/Underinsured Motorist Coverage

Many drivers that have automobile insurance try and get the lowest premiums. But what does that cost them down the line? We have had several clients who get into a car accidents by someone else’s fault, and then they realize that the person that hit them does not have auto insurance. So what did they do? They go through their own uninsured motorist coverage. Unfortunately, some of our clients had cheap auto insurance when purchasing their own insurance, maybe giving them a coverage amount of $15,000.

When a person gets into an accident, and if it’s severe enough, that $15,000 goes very quickly. If a person has long-term injuries, it’s going to be very difficult for them, if not impossible, to go through their own insurance and try and get the coverage that they need at that time. It’s too late. Once a person purchases low coverage auto insurance, they really limit their options unless they change coverages before an accident.

accident-1409012_960_720The best plan is to get very high underinsured or uninsured motorist coverage. That way, if a person gets into an accident and the other side does not have adequate coverage, at least they can go through their own insurance and try and obtain the coverage that they need for their medical bills, pain and suffering, and lost wages. It’s simply not worth it to take the cheap route, and we see this happen too often, where a person gets into an accident and they don’t have their own adequate insurance. We’ve seen many accidents with severe injuries where the client simply does not have the coverage to cover their own medical bills, let alone any pain and suffering. This could’ve all been prevented by adequate auto insurance.

If you read this before you get into an accident, you should look into getting high uninsured/underinsured motorist coverage. You never know what can happen. If you or a loved one can use top-quality Woodland Hills personal injury car accident attorneys, give us a call at 818-888-9171.

Related Articles: