Uninsured Motorist Coverage After An Injury Car Accident.
In the world of auto insurance, the term “full coverage” often conjures up feelings of safety and security. But here’s the kicker: many who believe they’re fully covered might be in for a surprise. Usually people don’t realize what types of coverage are applicable and will help them, or not, until after an injury car accident. While comprehensive and collision policies offer substantial protection, they offer nothing if you are physically injured. Typical accident coverages to pay YOU for your injuries, medical care, pain and suffering and other damages after a car accident are uninsured motorist & medical payments.
But do you have enough coverage? Uninsured and Medical Payments coverage only trigger under certain conditions and if the right procedure has been followed, and may only pay up to the limits of coverage. All of these variables matters, even if you have health insurance. For example, if you were injured in a hit and run accident and the other driver fled the scene, some uninsured polices will only trigger if there was contact between the vehicles, or only if you got the other cars license plate (read the policy language). Almost always, in a hit and run car crash, you have to meet three requirements for your uninsured motorist to trigger, those requirements, at a minimum being: 1) Report the accident to the police within 24 hours 2) report the accident and file a claim your insurance company within 30 days and 3) be able to show evidence of contact between your car and the hit and run driver.
In other circumstances, the responsible party may have some, but not enough auto insurance. Many people carry limits of $15,000.00, meaning their insurance carrier will only pay those limits, regardless of the extent of your medical bills and case value. In that instance, if you have uninsured motorist coverage, and the limits are greater than $15,000.00, you may have rights to recover under your own policy, if the correct procedure is followed. In certain instances, out of California originating uninsured motorist polices may “stack” on top of the wrongdoer’s $15,000.00 policy, meaning if they have $15,000.00 and you have an out of State $15,000.00 uninsured motorist policy, then you may be eligible for up to $30,000.00 in recovery. The numbers can of course increase with larger policies. The right coverage can literally make, or break, hundreds of thousands of dollars to YOU, when you need it. What Is Uninsured Motorist Coverage? – Forbes Advisor
Incomplete Auto Coverage
Pays Someone You May Have Injured, Along With Their Car Damages, Only. Incomplete Coverage Pays You NOTHING.
The Right Auto Coverage:
Pays Your Medical Bills – Pays Your Lost Wages – Pays Your “Pain & Suffering” – Pays Your Future Medical Care – Pays Your Altered Lifestyle. Get as much UNINSURED MOTORIST COVERAGE as you are able to protect yourself. It doesn’t add much to your premiums.
Do You Have An Uninsured Motorist Car Accident Injury Case?
If so, call the lawyers at Phillips and Pelly for a Free Consultation. Let’s see how the various coverages can help you. To learn more about car accident claims, click here Car Accidents | Phillips & Pelly (sdinjury.com)