If you were injured in a car accident, and the other driver has no insurance or not enough insurance to cover your medical expenses, you will not be compensated for your injuries. Today, insurance companies offer uninsured motorist insurance coverage, which will protect you if you are injured in an accident with an uninsured or underinsured driver.
How Does Uninsured Motorist Insurance Coverage Work?
Uninsured motorist insurance coverage is very important for many reasons. The most important reason for this coverage is that many people are underinsured, especially in today's economy, where most people buy state minimum coverage, which varies by state.
In Indiana, state minimum bodily injury coverage per person is $25,000. Bodily injury coverage per occurrence is $50,000.
If you were injured in a car accident, and your case is worth $50,000, and the other person who caused the accident only has state minimum insurance coverage, the other person's insurance company will pay for his or her bodily injury limit of the state minimum, and your insurance company will pay the remainder through your underinsured motorist insurance coverage.
Uninsured motorist insurance is a no brainer in today's day and age with the potential cost of medical expenses and the number of drivers who have the lowest legal limit of insurance. The best bet is to purchase at least $100,000 or more if you can afford it. This will protect you if you are seriously injured in a Michigan City, Indiana car crash.
Contact Our Trusted Personal Injury Attorneys
For over 18 years, attorney Guy DiMartino has represented his clients in personal injury, civil rights and medical malpractice cases. If you have any questions about the legal process or have been injured, please call attorney DiMartino at 352-267-9168 to get the help you deserve.