WHAT IS UNINSURED MOTORIST COVERAGE?
Uninsured motorist coverage is a provision found in automobile policies that provides for a safe driver (insured) to get damages for any injury he/she receives from a negligent driver (uninsured).
The driver pays a premium to his/her insurance company that includes this uninsured motorist provision to protect the safe driver from a negligent driver.
The uninsured motorist coverage costs an additional premium. Thus, without the uninsured motorist coverage one risks not having enough insurance to cover all of the damages created by a negligent driver.
HOW DOES UNINSURED MOTORIST COVERAGE WORK?
For example, negligent driver has no liability insurance, but nevertheless drives on the roadways and rear-ends safe driver.
This accident caused safe driver’s car to be totaled, caused him to have whiplash, and gave him a lot of medical bills.
Fortunately for safe driver, he had the uninsured policy on his insurance policy; therefore, the uninsured policy will kick in and pay for the negligent driver’s failure to have insurance.
As a general rule and depending on the individual uninsured policy, it should take care of the car and medical bills.
Now, the damages caused by negligent driver should have been taken care of by his insurance policy (if he’d had one), but because negligent driver did not have an insurance policy in place, the safe driver’s uninsured motorist coverage protected him this time.
SHOULD I GET UNINSURED MOTORIST COVERAGE IN MY AUTO INSURANCE?
Insurance is a necessary evil in our society. You should always get the most coverage you can afford and have uninsured motorist coverage because you never know who will be travelling the roadways. It is important to make sure you are covered by insurance.
The insurance companies will gladly take your premiums, but when it comes time for them to pay you, that is another story.
That is when you call Pepper & Odom Law Firm 601-202-1111, as we will get you the money that is rightfully yours.