Every car accident you are ever in, even a minor fender bender, is going to cause you some measure of inconvenience. And a major accident can leave you with serious injuries and a demolished vehicle. But if the accident was the fault of another driver, at least you can have your expenses paid by his or her insurance company, right? Well, maybe.
You see, whenever you get behind the wheel, you are likely driving among many uninsured or underinsured motorists. And if you should be injured in an accident caused by one of these irresponsible drivers, you could be stuck having to pay your own medical expenses.
Of course, this is totally unfair, but it is how things are. You have two basic options to avoid being stuck with the bills for your care and treatment. One way would be to try to sue the driver who is responsible for the accident. However, often people who don’t have auto insurance have little or no money. In such cases, a lawsuit is quite likely futile and ill-advised.
Your other option is proactive; purchase Uninsured Motorist Bodily Injury Insurance. This kind of policy will cover medical expenses for both you and your passengers if you are in an accident that was the fault of an uninsured driver. The insurance can also cover you if you are hit by an uninsured driver while you are a pedestrian or if you are struck by a hit-and-run driver. UMBI insurance will even cover the wages you lost due to an accident.
But insurance companies do not always part with their money gladly. They may try to provide you with a settlement that is less than what you need or are entitled to. For this reason, it is a good idea to have an experienced uninsured claim attorney help you file your claim. The attorney can carefully go over your policy before filing your claim and act as your representative to try and make sure you receive appropriate compensation.