Car Accident NewsDriving Safety Tips from LegalView Be safe this holiday season on the road! It is important to be careful when driving and watch out for others who may be distracted or intoxicated. Automobile accidents kill thousands in the United States each year and are a leading cause of personal injury lawsuits. The National Transportation and... Read More at the Automobile Accidents Blog New Hand-Held Device Could Make TBI Diagnosis Faster When someone suffers a traumatic brain injury (TBI), a quick and accurate diagnosis can mean the difference between life and death. Researchers at the United States National Institute of Health have created a hand-held device to quickly detect brain injuries, including hematomas which occur when... Read More at the Automobile Accidents Blog |
Home : Personal Injury : Automobile Accidents : Law Articles : Automobile Accidents and Uninsured and Underinsured Motorists Automobile Accidents and Uninsured and Underinsured MotoristsWhen a driver is in an automobile accident with another driver who has insurance with proper coverage, recovery for damages is generally straightforward. However, not every driver carries automobile insurance which is in violation of state compulsory automobile insurance laws or has the proper coverage. People do drive vehicles without insurance and cause an increasing number of accidents each year. When an automobile accident involves an uninsured/underinsured motorist, recovery for damages becomes more difficult. An uninsured motorist refers to a person who is the driver responsible for causing the automobile accident (the at fault driver) and has not insured their vehicle. An underinsured motorist refers to a person who is the driver responsible for causing the automobile accident (the at fault driver) and has insured their vehicle but at limits that are insufficient to cover all of the damages sustained in the automobile accident. If a driver is involved in an automobile accident with another driver who is uninsured or underinsured, the driver would be compensated by their insurance company if they had purchased uninsured/underinsured motorist coverage in their insurance policy. This covers property damage--such as car repairs, bodily injury--such as medical expenses, and other compensatory damages--such as pain and suffering. Uninsured motorist coverage also comes into play when injuries are sustained due to a hit-and-run automobile accident. Uninsured/underinsured motorist coverage can also be used if a person is hit by a vehicle as a pedestrian. Although a driver can possibly sue a uninsured/underinsured motorist if their insurance does not include uninsured/underinsured motorist coverage, there is no guarantee that the uninsured/underinsured motorist will have the money or assets to pay the judgment. Therefore, including uninsured/underinsured motorist coverage in an insurance policy simply makes good sense. If you have been in an automobile accident and have suffered injuries, you may have a legal case. If you would like to contact a lawyer, please use the Find Attorney button at the top of the page. |




