How Do I Protect Myself Against Underinsured Motorists | burridgelaw.com
If you do not have underinsured/uninsured motorist coverage you will have to pay out of pocket or hire a Salt Lake City uninsured motorist attorney. It is important to seek counsel from an underinsured motorist attorney to ensure you are protected after an accident.
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How Do I Protect Myself Against Underinsured Motorists

August 3, 2017 By bridgelawadmin

How Do I Protect Myself Against Underinsured Motorists

Accidents happen everyday and by being a responsible member of society you assume everyone is follow the law just like you. Unfortunately, that is not always the case because many drivers do not follow the law and drive without insurance. There are drivers who do have insurance but it is not enough to cover the damages of the accident. If you do not have underinsured/uninsured motorist coverage you will have to pay out of pocket or hire a Salt Lake City uninsured motorist attorney. If you were precautious when purchasing your insurance policy you will find that your insurance company will cover the damages caused from the accident.

Why is it an add-on option?

Underinsured and uninsured motorist coverage is an add on option for most insurance companies. It covers damages caused by another driver who is at-fault for an accident. This is part of your insurance policy which takes into effect only when the other driver is at-fault. If you were at-fault for an accident, the circumstances will change. Drivers have various reasons for not electing underinsured or uninsured motorists coverage but it is always a good precaution to take. Electing underinsured and uninsured motorists coverage is optional because it costs drivers more and not all states have it mandated. It is up to the driver whether they want to elect this coverage through their insurance provider. You will also need to decide on coverage limits which are typically the same as your normal policy limits.

What Does the Underinsured Motorist Add-on Cover?

This specific add on covers you during an accident where the other party’s insurance policy does not have enough coverage for the damages. An example would be if you drive a car worth $30 thousand but the negligent driver’s insurance policy only covers $20 thousand worth of damages. Your insurance policy will then cover the remaining damages if a claim has been filed in time. If you have medical insurance and all insurance limits on the driver and your policies are reached, it will then come into play for medical expenses.

How a Salt Lake City Personal Injury Attorney can Help

It is important to seek counsel from an underinsured motorist attorney to ensure you are protected after an accident. Driving is a big responsibility and part of that responsibility is having the proper insurance coverage. Sadly, over 13 percent of drivers are uninsured and this puts everyone in danger. If they were to get into an accident, the innocent driver may have to pay for repair costs and medical bills out of pocket. An experienced attorney can fight for your rights and ensure you obtain compensation for any damages. There is also a time limit to file a claim with your insurance company, typically 30 days, and some insurance companies will use this restriction to not pay for expenses. An underinsured motorist attorney in Salt Lake city can fight against unfair restrictions and have the company pay you what you deserve.