Although they are treated the same in many respects, it is important for Denver residents to have an understanding of the difference between uninsured motorist coverage and underinsured motorist coverage.
Fleeing the scene of an accident is a crime in Denver. The story of a driver who was recently sentenced for doing just that illustrates the devastating effect it can have on a victim and the victim's family.
Car accidents can be troublesome enough but may be made even worse when the victim has been hit by an uninsured or underinsured driver. When an underinsured or uninsured driver has caused a car accident, it does not mean that the victim is not left with the same damages which can include injuries resulting in medical expenses, lost wages, pain and suffering and other expenses.
In the event of a car accident, there are a number of steps drivers are typically required to take. First and foremost is pulling over to the side of the road, getting out and providing any necessary assistance, including calling for help. Drivers in hit-and-run accidents who flee the scene face serious legal consequences, as doing so complicates the recovery process for accident victims.
Most vehicle accidents involve a physical collision between two or more cars, trucks or other automobiles. These accidents can be damaging and very dangerous to Denver residents. However, accidents can also occur when two vehicles never touch, but one causes the other to suffer a collision.
It may seem to Denver residents that motor vehicle insurance is a pointless expense as long as they stay out of trouble and avoid traffic collisions. Unfortunately, though, even the best drivers cannot keep negligent drivers from crashing into them and causing both personal injuries and property damage through automobile accidents. When a vehicle crash occurs, once drivers have ensured that they are physically sound, most speak with the other drivers involved in their crash and exchange contact and insurance information.
Most Denver area residents will be in an at least one car accident during their driving career. Most of the time, these accidents don't cause serious injuries or damage, but sometimes these accidents can be serious. If the other driver has no insurance coverage, there are some things for the victim to keep in mind.
Because of the unfortunate propensity of some individuals to drive with no or limited insurance coverage, many Coloradans opt to add uninsured/underinsured motorist coverage to their policies. If you haven't added this coverage to your policy, you need only call your insurance carrier because, in Colorado, all insurers are required to make it available to their customers.
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.