Uninsured Motorist Coverage

Imagine being the victim of a collision that wasn't your own doing. In most cases, you would submit a claim to the at-fault driver's auto insurance provider, have your automobile fixed, and get paid for any missed income or medical costs. You will incur no out-of-pocket costs.

But what if someone who hit you either lacks auto insurance or has insufficient coverage? After an automobile collision, the minimum liability insurance standards don't always provide sufficient coverage.

You can be forced to pay significant out-of-pocket costs, including medical bills and insurance deductibles. Furthermore, you can miss a few paychecks if you skip work. Fortunately, uninsured motorist protection will pay you back in the event of an accident.

Uninsured Motorist Coverage(UM)

If you or others in your vehicle suffered injuries in an automobile accident caused by one of the following, your uninsured motorist coverage, often known as UM or UMBI, may cover your medical costs.

A driver who is not covered.
A hit-and-run (H&R) driver.
A driver whose insurance provider refuses to cover the expenses.

Your medical expenses, lost earnings, distress, and other damages may be covered by UMBI. You should always study the policy you have thoroughly to know the different kinds of benefits that are included as well as the amount, as every insurance plan differs. Call your insurance representative to obtain the additional coverages you need when driving. Contact a qualified automobile accident attorney to discuss your policy and any potential post-accident coverage.

UMBI and Property Damage

You should be mindful that UMBI coverage doesn't include damage to your automobile or other property. You must get additional or full protection insurance if you want this coverage.

Uninsured Motorist Property Damage (UMPD)

UMPD coverage is a service some insurance carriers provide as a component of their UMBI policy. If you have this kind of insurance, your provider could foot the bill for your vehicle's restoration if it gets wrecked in a collision with an underinsured motorist.

Your assets' worth, the quantity of coverage you currently hold, and your driving record are just a few variables that will determine how much UMBI protection you should get. You should consult your insurance agent and an expert automobile accident attorney to establish how much protection you require.

If you or a loved one was hurt in a car accident that involved an uninsured driver, you need to speak to an experienced Alabama attorney at Dean Waite & Associates, LLC. Our expert legal team can help you ensure your rights are protected and seek out the compensation you need for you and your family. Call us today at 866-434-5840 for a free case review in our office or the comfort of your home.