What is Uninsured or Underinsured Motorist and Why Do I Need it on my Insurance Policy?

Consider these scenarios:

  • You are the victim of a “hit and run”
  • Someone hit your car but their insurance lapsed and they have no coverage.
  • You have been seriously injured by another vehicle and accrue tens of thousands of dollars in medical bills. The other party carries the minimum liability insurance of $15,000.

So what do you do when the party at fault has no insurance?

You can choose to personally sue the individual at fault (if you can find him/her). OR rely on your uninsured motorist coverage to handle the claim. In any of the above scenarios, if you carry uninsured/underinsured motorist coverage, your own carrier should pay you for your damages, which includes pain and suffering.

There are so many people driving the streets that do not carry even the minimum insurance required by the law, so be smart and carry uninsured motorist coverage on your auto policy.

At the Friedman Law Offices, we know the ins and outs of the “uninsured/underinsured motorist” laws. If you have been injured as a result of a hit and run driver or uninsured motorist, be sure to contact the Friedman Law Offices as soon as possible so that your rights will be preserved and so that we can get you the maximum recovery possible.

Ari Friedman, Esq.
Personal Injury Lawyer
Friedman Law Offices