Personal Injury: Uninsured vs Underinsured Driver Accidents
Car accidents aren’t pretty. They can disrupt an entire day or delay our busy schedules. We can’t always avoid them, so the best thing to do is handle the situation as calmly as possible. One of the first things we should do, in the aftermath of a car accident, is exchange insurance information with the other driver. Unfortunately, the other driver may not have any insurance.
It is actually illegal to drive without car insurance of any kind. It’s possible that the at-fault driver either has no insurance or not enough to cover your damages. Fortunately, there are several insurance packages out there for various scenarios.
Uninsured Driver Coverage is great if you’re hit by a driver that has no car insurance. If the driver is at fault and has no insurance, you would “make a claim against your own insurance company up to the limit of your uninsured driver coverage”, according to David Goguen, J.D.
Underinsured Driver Coverage is great when the driver at fault has insufficient car insurance, or not enough insurance to cover the damages he or she brought to your car. In this situation, you would make a claim against your own insurance company. This claim will be up to the limit of your underinsured motorist coverage. This is only if your coverage is greater than the other driver’s policy limits.
Just remember that you should contact and notify your insurer as soon as possible. This is extremely important, since many car insurance policies have deadlines for notifying and making claims.
Been personally injured in a car accident? We can help. At Southern Oaks Law Firm, personal injury attorney Taylor Fontenot brings years of personal injury experience at some of Lafayette’s largest and most respected personal injury law firms, and he will fight for you and your family. Call or email Taylor today.