One of the best ways to protect yourself is to carry uninsured motorist coverage. How does uninsured motorist protect you?
If you get into an accident with a careless driver who does not have insurance, then you can use your uninsured motorist coverage in place of the other driver’s insurance. If you are injured, you can seek recovery of your medical bills, pain and suffering and lost wages.
Uninsured motorist coverage also protects you if the careless driver does not have sufficient coverage under his or her policy. In such a case, your uninsured motorist coverage could kick in and protect you up to the limits of your uninsured motorist coverage minus anything collected from the careless driver.
For example, you are injured in an accident and your medical bills total $25,000. The careless driver has a $15,000 policy limit but you have $30,000 in uninsured motorist coverage. Under this scenario, once you collect $15,000 from the careless driver, then you can seek additional $15,000 in coverage under your uninsured motorist coverage: $30,000 (your uninsured policy limit) minus $15,000 (collected from the other driver) leaves you with $15,000 in additional coverage.
You need to be aware that not all auto policies include this coverage. So, even if you believe that you have “full coverage”, you need to check with your agent to determine if you have uninsured motorist coverage in your auto policy.
Disclaimer: This article is brought to you by Mason Rashtian of The Mason Law Firm. This article is only for informational purposes and not meant to serve as legal advice.
With offices located in the Santa Clarita Valley (SCV), the San Fernando Valley (SFV), Pasadena, and an office opening in Beverly Hills, we handle personal injury cases all throughout Southern California. For more information, please contact us at (800) 577-0149, or (661) 362-0805, or visit us at http://mrscvlaw.com