Collision with Uninsured or Underinsured Drivers

You face plenty of hazards on the road—from inclement weather to roadwork to distracted drivers and pedestrians. But perhaps one of the biggest risks on the road is being involved in an accident with an uninsured motorist. If you are in a collision with a motorist who is uninsured, you may have additional expenses that are not covered by your insurance.

How to Protect Yourself

It is illegal in all states to drive without car insurance. Unfortunately, one in every four motorists is uninsured. It is essential that you arm yourself with uninsured motorist coverage as part of your auto insurance policy. This coverage exists to protect you financially in the event that you have an accident with a driver who does not have insurance.

The requirements for the amount of uninsured motorist coverage you must carry vary from state to state. In the event of an accident, this coverage will compensate you for any medical expenses, out-of-pocket expenses, lost wages and any loss of future earnings as a result of your injuries.

Some insurance companies may even be able to compensate you for pain and suffering, although it may be necessary to go to court to reach a settlement to recover these damages.

If you are involved in an accident with an uninsured motorist, be sure to keep careful records of all of your bills and expenses. Speak with your insurance company as soon as you can and consider consulting with an experienced and respected personal injury attorney. He or she can be your advocate throughout insurance negotiations and any legal steps you may need to take.