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Personal Injury Lawyers and Uninsured Motorist Coverage
by
legallwayer
Since I work as a personal injury attorney, I always try to stay current with local news. I find that keeping tabs on local news helps me formulate blog posts that are relevant to the community.
While I have no political stake in the matter, I am concerned over the personal injury issues that arise when an uninsured or under-insured driver is involved in a car accident.
Very serious financial issues can arise when an uninsured motorist is involved in a car accident. This is an issue that is very dear to me. Working as a personal injury attorney, I routinely encounter these types of cases.
The consequences of being involved in a uninsured motor vehicle accident can be life-long.
Providence RI Attorney | Why Uninsured Motorist Coverage is So Important
Since I am a personal injury lawyer, I find the following type of case very scary.
Imagine that:
A young person just beginning their career purchases a vehicle for cheap money. Since they are in a tough financial position, they decide to purchase the least expensive insurance policy possible. Purchasing the least expensive insurance policy possible, equates to them receiving a very small amount of financial coverage-should they ever be involved in an accident.
Of course also remember that this person does not have any personal assets of their own, since they are just starting out in life.
On the other end of the spectrum you have what you believe to be a very large insurance policy. You may very well have $500,000 or more in liability limits. That s wonderful because that will insure you if you hit someone else.
Yet consider what happens when someone like the young adult hits you? What if the person that hits you does not have any insurance at all?
In moments like these any personal injury attorney will hope and pray that you have enough uninsured or under-insured motorist coverage. Here s why:
With this type of coverage, if an uninsured motorist was to hit you, you own policy would pay. Problem is that for some reason, many insurance agents fail to recommend that their clients carry a sufficient amount of uninsured or under-insured motorist coverage. This puts them and their personal injury lawyer in a stick situation.
Personal Injury Attorneys | How They Will Approach an Uninsured Motorist Case
Since you may not carry uninsured motorist coverage, your personal injury attorney must look elsewhere for money to cover your damages. However because you were hit by an uninsured motorist, and due to the fact that you don\’t have uninsured motorist coverage yourself, there simply is no insurance policy available for your personal injury lawyer to sue against.
Thus your personal injury lawyer is forced to go after the assets of the person who struck you. Unfortunately they most likely do not have any assets to go after, since they are carrying such a small amount of insurance.
This will put you and your personal injury lawyer between a rock and hard place. There is simply no money available.
Personal Injury Attorney | Sad and Devastating Situations
These types of scenarios are always difficult and can be utterly devastating for the parties involved. Any personal injury attorney will tell you that these accidents often have life-long consequences.
To prevent yourself from being involved in an accident, take the advice of a personal injury lawyer and purchase uninsured motorist coverage. Fortunately uninsured motorist coverage is very affordable.
As a personal injury lawyer, I highly recommend that you take a look at your current insurance policy. Do you have enough uninsured motorist coverage?
If you do not, now is a good time to make a move and purchase more insurance.
Unfortunately we can never forecast who will need a personal injury lawyer. These life altering events always occur when we least expect them to.
Learn more about how to get a solid
car accident attorney
by visiting our website.
Article Source:
ArticleRich.com