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Uninsured/Underinsured Motorist Coverage

Posted by attorney Christopher Mellino

While most of us don’t think about the possibility of being in a car accident, the reality is that it can happen to anyone at any time. Will you be adequately covered if you are? Having the right kind of motorist coverage could significantly impact the outcome.

If you or a family member were seriously injured in an accident caused by someone else’s careless or reckless actions, compensation may be available. To learn if you have the right to pursue legal action, contact a Cleveland personal injury attorney.

The Importance of Uninsured Motorist Coverage

One type of coverage that is important to any driver is Uninsured Motorist (UM). One can never take it for granted that other drivers who share the road are adequately covered. You can’t even take it for granted that they carry Or that they carry coverage at all.

To cut down on costs, some drivers may not carry insurance. Sometimes, people allow their policies to lapse. In any event, if you suffer catastrophic injuries in an accident with an uninsured driver, your ability to be compensated may be seriously hampered.

UM coverage can help cover:

· medical expenses;

· lost wages; and

· other costs when you are injured by a driver who doesn’t carry insurance.

It can also help if you are involved in a hit and run accident.

The Importance of Underinsured Motorist Coverage

Even if the other driver does have insurance, it doesn’t necessarily mean it will be enough to cover your expenses. If they aren’t inadequately covered or your costs are significant, this is where Under-Insured Motorist (UIM) coverage can help.

Let’s say you are injured in an accident and the other driver has a $10,000 policy. If the cost of your injuries exceeds that, you will have to take care of the rest. So if you are facing medical expenses up to $20,000 that means you will need to come up with the other $10,000.

However, if you have UIM coverage that goes up to $50,000, your costs will be more than covered. It is difficult to say the expenses you’ll be faced with when injured in an accident, so it’s best to have as much motorist coverage as possible.

This is the only way to protect your financial losses, not just with the medical costs but lost wages. You could find yourself out of work for an extended period of time.

There may be other physical and emotional losses you suffer. Physical and emotional losses count as: pain and suffering, disability, mental anguish, and more. Without adequate coverage, you may not have the protection you need.

A Cleveland Personal Injury Attorney Represents Car Accident Victims

With so many individuals struggling in these tough economic times, you can’t afford to be without adequate motorist coverage. It’s not just as a driver or occupant in a car that you could be injured. UM and UIM can provide coverage if you are injured as a pedestrian as well.

However, if you have been seriously hurt and you believe the other driver was at fault, then you should also seek legal counsel. Contact a Cleveland personal injury attorney to learn if you have the right to pursue a claim.

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