What is Uninsured Motorist Coverage?
Uninsured motorist coverage is a type of additional coverage you can add to your auto insurance policy. It protects you when you get into an accident in which a driver without car insurance is considered to be at fault.
In most cases, it’s a waste of time and money to file a lawsuit against a person who does not have car insurance, as drivers without insurance generally don’t have much in terms of money or assets for you to recover in such a suit. Instead, what you would do is file a claim against your own insurance company, seeking any amount up to the limit of the protection your uninsured motorist coverage gives you.
However, you cannot have uninsured driver coverage exceeding the amount of your primary coverage. Uninsured coverage is very cheap when compared to standard liability coverage, so insurers don’t want their customers to hoard uninsured coverage while only purchasing the bare minimum liability policy.
The benefits of uninsured motorist coverage are clear — you are protected when hit by a driver without insurance, when you would otherwise be left to pay for the expenses yourself. Even though every state requires drivers to have insurance, there are a surprising number of people who do not follow this law.
If you believe the driver who hit you does not have insurance, you should inform your insurance provider as soon as you can of your intent to file an uninsured driver claim. Most insurance companies have strict deadlines for these types of claims, so it’s important to act quickly. The claim itself progresses similarly to a standard auto accident claim, only differing in that the claim is against the insurance company rather than the other driver, and you may not file a lawsuit against your insurance provider if you cannot agree on a settlement amount.
To learn more about uninsured motorist coverage and taking action if you’ve been involved in an accident with an uninsured or underinsured driver, contact a knowledgeable Houston car accident lawyer at Cire Law Firm today. Call us at 713.532.6206 or contact us online.