Ask a Personal Injury Attorney: Is It a Good Idea to Add Uninsured/Underinsured Motorist Coverage to Your Policy?

During the process of purchasing vehicle insurance, several issues concerning coverage emerge. One of the most often asked issues is whether or not I should purchase uninsured/underinsured driver coverage. Uninsured/underinsured motorist coverage is recommended by The Law Offices of Larry H. Parker.

Even though you are not legally required to purchase uninsured/underinsured motorist coverage, if you are involved in an accident where the at-fault driver is uninsured and you do not have uninsured/underinsured motorist coverage, you may be left with large medical bills and be unable to recover damages for pain and suffering.

Keep reading to learn more about this type of coverage and how it can help you. If you have suffered an injury in an accident, or have lost a loved one in an accident, you can contact The Law Offices of Larry H. Parker at 800-333-0000 for a free legal consultation.

The way underinsured coverage works

Underinsured coverage works in a unique way, and it’s to your advantage. By the way, if you get uninsured motorist coverage, underinsured motorist coverage is included at no extra cost. Underinsured coverage works like this: if you get into an accident and have $50,000 in coverage but the at-fault driver only has $15,000, underinsurance policy allows you to collect the difference between your underinsurance coverage ($50,000) and the at-fault driver’s $15,000 coverage. As a result, you would be entitled to a net extra benefit of $35,000 in these circumstances.

Every auto insurance company is required to offer uninsured/underinsured coverage

Auto insurance firms in California are required by law to provide uninsured/underinsured motorist coverage. It is an additional fee that varies by insurance carrier, but the added expense is well surpassed by the enhanced protection and security provided by the additional insurance coverage. Of course, this is up to you to decide but at The Law Offices of Larry H. Parker we have seen too many situations in which a person does not have coverage and suffers serious financial headache as a result.

There might be help no matter your coverage

If you are injured in an accident caused by an underinsured or uninsured driver, does this mean you are out of options? Not necessarily. There might be options, such as finding another at fault party. For example, if the accident was partially caused by faulty car parts, then the car parts manufacturing might be held responsible.

If you have been injured, you should contact a personal injury attorney. For a free consultation, call The Law Offices of Larry H. Parker now at 800-333-0000 if you or a loved one has been harmed in a vehicle accident due to no fault of your own. Our skilled automobile accident lawyers are here to assist you and fight for you during this trying time.