Uninsured motorist coverage can be important to anyone hit and harmed by an uninsured or underinsured motorist. Specifically, victims should be familiar with what uninsured motorist coverage can help with following a car accident.
What does uninsured motorist coverage help with?
Being involved in a car accident can be an unpleasant experience which can be made even worse if the driver who hit the victim, and caused the car accident, turns out to be uninsured or underinsured. Uninsured motorist insurance coverage can help with damages and harm suffered by the victim including:
- The victim’s auto insurance policy collision coverage may pay for damage to the victim’s car.
- In general, uninsured motorist insurance coverage will pay for personal injuries, property damages or both. How much will be paid for depends on the nature of the victim’s auto insurance policy and their uninsured and underinsured motorist coverage.
How much uninsured or underinsured insurance coverage the victim has depends on their policy and additional uninsured or underinsured insurance coverage can usually be purchased in increments. Exactly what is covered will also be determined by the details of the policy.
It is useful to keep in mind that uninsured and underinsured motorist coverage relies on the victim’s own insurance. At times, making a claim against the victim’s own insurance can be a challenging process. Car accident victims have a variety of different protections available to them depending on the circumstances and should be familiar with how to protect their rights and interests when they have been harmed by a negligent driver.