An Overview on Uninsured Motorist Coverage

With automobile insurance rates constantly on the rise, it's no surprise that the number of uninsured and underinsured drivers on American roadways is also increasing. The problem is, this means that your risk of being involved in an accident with someone who doesn't have any car insurance is also increasing.

In order to help protect legal and insured drivers, most insurance policies provide an option for uninsured motorist coverage. But, what exactly does this type of coverage cover? Here's an overview from our uninsured motorist attorney in Shallotte, NC.

What Happens When an Uninsured Driver Causes an Accident?

At one point in time, an accident caused by an uninsured driver usually relied on a lawsuit in order for the victim to obtain any damages. The insured driver was forced to personally sue the at-fault driver if they wanted any kind of damages paid for their injuries, property damage, lost wages, and pain and suffering. Unfortunately, this solution was only satisfactory if the victim could get the at-fault party into court and the court ruled in the victim's favor. Even then, the damages paid were often limited.

Today, if you have an uninsured motorist rider on your auto insurance policy and you're involved in an accident with such a driver, your insurance company will help cover the damages caused by the accident.

What Does Uninsured Motorist Coverage Cover?

Most standard uninsured motorist insurance policies will provide the following coverage:

  • Repairs to your vehicle
  • The cost of a rental car
  • Reimbursement for lost wages
  • Reimbursement for out-of-pocket costs related to the accident
  • Present and future medical bills for injuries related to the accident (for you and any passengers)
  • Recovery for pain and suffering

While having this type of insurance is certainly preferable to not having it, it is not always the easiest to collect on. Because the insurance company is taking on the brunt of the expenses, uninsured motorist claims are commonly delayed. Worse yet, the insurance company's adjusters are usually trained to find ways to minimize the claims so the company doesn't have to pay out as much it should. This can be frustrating for the policy holder, especially when trying to negotiate with the insurance company. As a result, in most cases, an uninsured motorist attorney is required in order to get the damages one's deserved.

Contact Bain & Rodzik's Uninsured Motorist Attorney in Shallotte NC Today

Insurance companies are supposed to protect their policy holders – that's the whole idea behind insurance, and the reason why insurance policies are so expensive! But, all too often, insurance companies fail their policy holders in their times of need. Uninsured motorist claims are frequently among these situations. If you were involved with an uninsured motorist and you are having difficulty getting your claim paid, then Bain & Rodzik can help. We are experienced in dealing with the big insurance companies and we will fight on your behalf so you can finally get the compensation you're owed.

Contact Bain & Rodzik's uninsured motorist attorney in Shallotte NC today at 910-762-1199 to schedule a free initial consultation.