Uninsured (or underinsured) motorist coverage is available to you on your own auto policy. Many people decline this coverage, but doing so can be a costly mistake. The way uninsured motorist (UM) coverage works is that if you are hit by a driver with little or no insurance, or are the victim of a hit and run, you can make a claim on your own policy to cover the medical expenses associated with the accident. Opting for this beneficial coverage can help to reduce the financial impact you feel when in an accident.
Other benefits of uninsured motorist coverage include:
- Peace of mind, knowing that if you are in an accident funds will be available to pay for your medical expenses. This allows you to focus on recovery, rather than on how the bills will get paid.
- Carrying uninsured motorist coverage helps to supplement the benefits provided by your health coverage, ensuring you are not out of pocket anything for your needs.
In the case of a serious accident, you will be glad you made the choice to include a provision for this type of coverage on your policy. The damages from catastrophic accidents can be quite severe, and require extensive medical attention. Your UM policy will even kick in if the other driver does have insurance, but just not enough. Making a claim on your policy must be done by following the rules and procedures in place. Doing so can be confusing, and should only be done with the assistance of a skilled personal injury attorney. In any claim for reimbursement from an insurance company, negotiations are likely. Most carriers attempt to pay out the least amount possible, which may not be an amount that makes you whole. We fight for full and complete compensation for your injuries, so you don’t have to worry about cutting corners on your medical care. Call our office today for more information.
If you have been hurt in an accident and need to make a claim for uninsured motorist benefits, call our office to learn your options. Let an experienced attorney help you figure what is best for you. Call a Bloomington, Minnesota personal injury attorney today.