Car insurance is required in most states, because it ensures that everyone involved in a car accident has monetary protection for damages and injuries regardless of who was at fault. Unfortunately, many people still drive without insurance. If you are involved in an accident caused by an uninsured driver, you may be faced with paying for the damages which would have normally been covered by the other driver’s insurance. This is very frustrating for insured drivers, because it can be very costly and even raise your insurance premiums.
Uninsured and Underinsured Motorist Coverage
To protect drivers from having to pay for accident damage they didn’t cause, insurance companies offer uninsured and underinsured motorist coverage. Uninsured motorist coverage protects drivers involved in accidents with an at-fault driver that doesn’t carry insurance. Underinsured motorist coverage protects drivers involved with accidents caused by a driver with a policy that does not cover the extent of the damages you suffered. The following are some reasons to get uninsured and underinsured motorist coverage:
- Many Uninsured Drivers Can’t Afford to Pay Out-Of-Pocket
If you are in an accident caused by an uninsured driver, you may be able to file a lawsuit to receive compensation for the damages. If, however, they do not have the finances or assets to pay a settlement, you may receive nothing.
- Many Drivers are Underinsured
Many drivers have insurance, but their policy may only offer a certain amount of coverage. If you were to suffer significant damages and injuries in an accident caused by a driver with insufficient insurance, then you may end up paying what the insurance company doesn’t cover.
- Protection for You and Your Passengers
In the event of a serious accident, uninsured and underinsured motorist coverage can offer coverage for not only serious damage and injuries, but also for loss of income. Coverage applies to everyone in your car at the time of the accident.
- Coverage Protects You Outside of Your Car
If you are a passenger in a car accident caused by an uninsured driver, having uninsured motorist coverage can protect offer protection if you sustained injuries. In addition, you are also protected as a pedestrian if you were to get hit by an uninsured driver.
If you don’t already have uninsured and underinsured motorist coverage, you can speak with your insurance company to have it added to your current policy. It may raise your premium some, but the insurance itself is affordable and adds necessary protection that can save you a lot of money if it is needed. If, however, you have already been involved in an accident with an uninsured driver, you should contact a car accident lawyer Milwaukee MI often turns to for aid. An experienced lawyer can help you determine how best to cover the damages without proper insurance in place. In addition, they can protect your legal rights and interests if necessary.
Thanks to our friends and contributors from Hickey & Turim SC for their insight into car accident law.
Fill out the form and we’ll respond as soon as possible.
Posted onTrustindex verifies that the original source of the review is Google. I was facing a charge of Reckless Driving for speeding on I66 at midnight. This is considered a Class 1 Misdemeanor in the state of Virginia. Having something like Reckless Driving on your record is on par with having a DUI. This charge also carries a chance for jail time (up to a year). I was incredibly scared because I had never faced such a charge. And looking into Virginia Law, my speed exceeded 90mph, which is quite serious. I retained Dave Albo to help me with this case. Since my record was clean, Dave had advised I do the following before my trial. * Take a DMV Driver's Improvement Course * Take a Behavior Modification Course * Do 100 hours of community service * Print my DMV Record one week before the trial On the day of my trial, Dave got my Reckless Driving charge REDUCED to a regular Speeding charge. This was the absolute best case scenario for me. No criminal record. No jail time. No suspension of license. I did receive 6 demerit points and had to pay a fine of $250 (plus court fees). But that's a slap on the wrist, compared to what I could have been facing. Thank you Dave Albo for helping me through this ordeal!Posted onTrustindex verifies that the original source of the review is Google. Dave albo it's a fantastic lawyer. He has helped me twice now with great results both times with minor traffic tickets. I would recommend him to anybody including my family. He has great ethics and honesty which is what I look for in a lawyer .Posted onTrustindex verifies that the original source of the review is Google. Dave was my attorney recently for a car accident where I needed someone to represent me in court. After exchanging all necessary information he reassured me when the court date came that there wouldn’t be anything to worry about. On the day of court a couple problems arose and Dave was able to rectify them quickly, told me everything I need to say if needed and when it was all over he got my violation reduced significantly. I hope to never go to court again but if I do I will being calling Dave again.Posted onTrustindex verifies that the original source of the review is Google. Retaining the services of Mr. Albo for traffic court was probably the best decision I made. He is very responsive to emails, knowledgeable, and punctual. He provided excellent advice that eased the panic of having to go to the court house and stand before a judge. I am very happy with the outcome of my visit to traffic court and highly recommend Dave Albo.Posted onTrustindex verifies that the original source of the review is Google. Mr Albo was very professional and I was pleased with the outcome.Posted onTrustindex verifies that the original source of the review is Google. David was incredible to work with from clear communication and next steps. To showing up to traffic court early to walk over all steps, making case in court as experienced/intelligent/well spoken lawyer. Lastly, he even followed after case in writing to confirm the outcome outlining everything that happened in lamen terms (in my case the best outcome we could ask for). I’m so appreciative to David.Posted onTrustindex verifies that the original source of the review is Google. Absolutely top notch representation. Can't thank Dave enough for his knowledge and expertise.Posted onTrustindex verifies that the original source of the review is Google. Thanks to Dave Albo for a fantastic job representing me and ensuring the best possible outcome for my case. I highly recommend him - you will be in good hands for sure. From start to finish he provided expert counsel and kept me well informed. He simply could not have done a better job.Posted onTrustindex verifies that the original source of the review is Google. I am THRILLED with the outcome of my case, all thanks to Attorney Albo's superb expertise, excellent advice & sharp negotiating skills! I am extremely relieved and grateful; I highly recommend retaining his services. Well beyond worth it!!Posted onTrustindex verifies that the original source of the review is Google. Dave did a great job representing me for my traffic court infraction! I wanted the best and his name came up as I searched for an attorney. Highly recommend him on all levels including a successful outcome to my case.
