The Importance of Uninsured/Underinsured Motorist Coverage

Recently, David Greene talked to Studio10‘s Chelsey Sayasane about how important it is to have uninsured/underinsured motorist coverage on your auto insurance policy. As founding partner of Greene & Phillips – Injury Lawyers, David Greene emphasized that while motor vehicle insurance is a legal requirement, not everyone abides by this law. This can leave many drivers vulnerable to significant financial losses and personal injuries if they are involved in accidents with uninsured or underinsured motorists.

Understanding the Coverage

There are several critical steps to take if you are involved in an accident with an uninsured motorist. First and foremost, always call the police to get a report. Following this, seek medical treatment and consult with a lawyer, like those at Greene & Phillips, who have handled car wreck cases. This ensures you are protected and receive the necessary guidance to handle the situation effectively.

The Realities of Uninsured Motorist Coverage

Many people unknowingly waive uninsured motorist coverage to save a mere $25 to $30 a year. This minor cost-saving can lead to significant financial exposure in the event of an accident. Please check your policies to ensure you have this vital coverage. Many drivers either stop paying their premiums after the first payment or might have other reasons, such as outstanding warrants, that lead them to flee the scene of an accident. If this happens to you, the uninsured motorist coverage can kick in and protect you.

The Mechanism of Uninsured Motorist Coverage

In scenarios where an uninsured or underinsured motorist is involved, your uninsured motorist coverage steps in to cover the medical costs, lost wages, and other damages. This type of insurance acts as a defense, providing the necessary financial support that the at-fault driver cannot offer. It ensures that you are not left with the burden of expenses.

Legal Requirements and Common Misconceptions

While it is required for insurers to offer uninsured motorist coverage, policyholders have the option to reject it. Unfortunately, many do so without fully understanding the implications. The coverage is very affordable, and it is a small price to pay for the immense protection it offers in case of serious accidents.

Taking Action

We encourage you to review your auto insurance policies and ensure you have uninsured motorist coverage. If you are unsure about your coverage status, contact your insurance company immediately. Understanding and securing this coverage can make a substantial difference in protecting oneself and one’s family from unforeseen accidents and their financial consequences.

David Greene, along with the rest of the personal injury lawyers at Greene & Phillips, are always available to explain the intricacies of uninsured motorist coverage and assist with any potential cases. It’s so important to be proactive in securing adequate coverage.

If you’ve been in a car wreck involving an uninsured or underinsured driver, call or text us today. We can help. The process is easy!