Having an accident is bad enough, but what happens when you find out that the motorist that crashed into you isn’t insured? They might face criminal charges, but that’s not going to help you find the necessary cash to pay for hospital treatment, car repairs and to pay your bills until you’ve recovered sufficiently from the accident to work again. A growing number of motorists are opting for uninsured motorist coverage to provide the protection they need.
What is Uninsured Motorist (UM) Coverage?
As the name would suggest, UM coverage is a policy which motorists can take out that will cover the costs incurred by an accident where the other party doesn’t have any insurance. It’s also possible to take out an underinsured motorist policy, that will payout a top-up amount should the other motorist involved in the collision have some, but not enough, liability insurance.
What Do I Need to Consider?
It’s important to decide what level of coverage is going to be appropriate, as well as choosing whether you want coverage for vehicle costs, injury (bodily injury) or both. Some policies provide split limit coverage, meaning that payouts will differ depending on the number of injured parties; whereas others will only pay one lump sum, regardless of the number of injured vehicle occupants. A skilled car accident attorney can help you decide on the type of coverage which is best suited to your needs.
We want you to be confident in your choice of motorcycle accident lawyer or other legal representative from our Atlanta team, which is why we offer you a no-obligation, free initial consultation. To find out more and book an appointment, call us at (855) 572-6337.