Any responsible driver knows they must carry insurance that will help cover not only themselves in an accident but also anyone else they may have harmed.
Unfortunately, there are plenty of drivers out there that either have very low insurance coverage or are simply driving around without any insurance at all. How do you protect yourself from a driver like this?
One option is purchasing expanded coverage with your own insurance company. Your insurance company will have different options such as uninsured and underinsured motorist coverage. Basically, this type of coverage helps you recover when someone is driving without insurance or too little insurance to cover your damages and/or injury.
Most people who drive without insurance typically don’t have enough money to personally pay you for your injuries. So you really need to look at your own insurance company in order to recoup losses caused by such a negligent driver. Uninsured and underinsured motorist coverage often covers items such as medical bills, wage loss, prescription drugs, doctor visits, pain and suffering, emotional distress and even future earnings. It may not cover actual physical damage to your car or punitive damages, but it is meant to be used in conjunction with your current insurance policy, which will cover these damages. It is simply an extra amount of insurance for you if the other person’s policy does not cover your injuries or they don’t have any insurance at all.
To learn more about personal injury law, I encourage you to watch the video above and to explore our educational website at http://www.elkandelk.com. If you have legal questions, please call us at 1-800-ELK-OHIO. I welcome your call.