Uninsured and Under-insured Driver
Motorists who carry uninsured motorist or under-insured motorist protection are urged to check with their auto insurance agent what coverage they are carrying in the event of an accident involving another driver with insufficient insurance. Many consumers do not fully understand what $100,000 Uninsured Motorist Insurance or Under-insured Motorist Insurance means. It may be wise for most people to have $500,000.00 to $1 million in uninsured or under -insured to be truly protected in case of the unexpected. Many car crashes now involve brain injury, paralysis, and death. The amount of medical bills and loss or harm caused by car crashes can be over $1,000,0000. If you, or a driver of your car is involved in an accident and the other driver does not have good coverage, then you will want very good uninsured and under-insured coverage on the car you are driving and on your vehicles. You will want to protect your family and your self from the person who has no insurance is out there driving, and from the person who has low limits (Iowa only requires $20,000. per accident coverage)
After an Accident with an Uninsured or Under-insured Motorist
If the accident has already happened -- you suffered a serious or catastrophic injury, or a family member died in a car, truck, or motorcycle accident -- it is too late to buy additional insurance to cover that accident. But it is essential to contact an experienced, aggressive personal injury attorney to begin the process of obtaining the maximum compensation available from all sources.
An Experienced Car Accident Attorney is an Invaluable Source of Help
A collision with a motorist who is uninsured or under-insured may mean that there will be strict limitations as to how much you can collect even from your own insurance company. A personal injury attorney with years of experience (digging into causes of car, truck, and motorcycle accidents, determining long-term diagnoses of injured clients, and compelling insurers and other responsible parties to compensate victims) is an invaluable source of help and support.