Dealing with underinsured or uninsured motorists can be a real headache, especially if there is extensive damage to your vehicle or if your injuries require long-term medical treatment. However, most consumers are protected by a clause in their own insurance policy, which provides some protection in this situation.
Uninsured and Underinsured Motorist Coverage
Not all auto policies include coverage to address a lack of insurance on the part of another driver, but many do. This clause protects the driver and any passengers injured in an accident. Some policies also provide benefits for property damage as well.
When Do These Benefits Apply?
Benefits on your policy for a lack of coverage on the part of the other driver apply when that person:
- does not have adequate auto insurance
- their policy has lapsed
- the coverage they carry does not meet the state’s minimum
- their insurance company denies the claim
The clause also encompasses any accident termed a hit and run. In cases involving severe injuries, this coverage can be crucial.
Motorcycle Accident Attorneys based in Yakima, Wenatchee, and Seattle Are Ready to Help
Uninsured and underinsured motorist coverage is not mandatory in all states, however, and is only recommended by insurance agents. For this reason, it is important to check with your insurer to see if you carry adequate coverage to protect yourself, your family, and your passengers.
Some policies may extend coverage to include your lost wages, pain and suffering, decreased earning capacity, property damages, repairs to your car, and punitive damages. Policies vary, so be sure you understand the type of coverage you carry.
In accidents of this nature, it’s essential to notify the police of the accident. Most uninsured motorists will receive a citation for failing to carry adequate insurance. The satisfaction of knowing the other party will be fined may be the only compensation you receive from them for your accident.
Begin your own claim process as quickly as possible. You may also want to consult a motorcycle crash lawyer about the potential for filing a personal injury claim to seek restitution.
Dealing with uninsured and underinsured motorists is a sad fact of life for many drivers. It is estimated that nearly 14% of motorists fail to carry adequate vehicle insurance. That means your chances of dealing with one of these drivers is greater than 1 in 10. For most drivers, that risk alone is enough to prompt them to add additional coverage to their existing auto policy.
IF YOU, OR A LOVED ONE, HAVE BEEN SERIOUSLY INJURED IN A MOTORCYCLE ACCIDENT IN WASHINGTON – CALL TODAY FOR A FREE CONSULTATION!