Why Uninsured and Underinsurerd Coverage is important.

Serafini, Michalowski, Derkacz & Associates

Not many people know about uninsured or underinsured motorist coverage.

Uninsured motorist coverage covers you when you are injured as a result of a driver who did not have insurance, a hit and run driver, or a driver of a stolen car. Uninsured motorist coverage is provided by your own insurance company. The cost of this coverage is usually nominal and should be considered when purchasing auto insurance.

Underinsured motorist coverage allows you to recover from your own insurance company, money to pay for damages incurred from an at-fault driver who does not have enough insurance to cover your damages. Not enough people elect to have this type of coverage, but it is important to consider because these situations are far too common.

With an underinsured policy (which you also get from your own insurance provider) you first are entitled to the full amount of the other person’s coverage and then on top of that, whatever your underinsured policy amount is. This is an insurance policy that makes sure that you are covered no matter what type of insurance the other person who caused the accident may have.

In order to recover your uninsured motorist coverage, you must prove that the other driver was not insured AND that the accident was their fault. To recover your underinsured motorist coverage you must take the full amount of the other person’s coverage that they do have. Then you are entitled to your own policy.

Related Posts: An Overview of the Personal Injury Process, Why You Should Report All Drivers On Your Car Insurance, No-Fault Insurance Change, One Step Closer to Justice for Grieving Family

Client Reviews

Thanks so much for all your help these past five years in helping me with all the legal aspects of my folks, L & E.M's, trust. Thanks for answering all my questions. It's been a difficult last 5 years on making decisions for my father, but I'm so grateful that god blessed me with them for so many...

D.C.

I want to thank you both for all your help and hard work on my case. This certainly was good news! You both did tremendous jobs dealing with Cigna and answering my questions. Thank you and have a wonderful Christmas season!

Marc

Thank you so much for all of your help getting me thru this mess. You have no idea how much you have helped. I couldn’t have done this without you! Only one more hurdle, yay!!

B.T.

I really wanted to thank you, the way you talked with me and worked with me, it was amazing. I was dreading the experience & the deposition & you really made it very easy for me. So, thank you very much for a job well done.

H.H.

Contact Us

  1. 1 Free Consultation
  2. 2 No Fee Guarantee (for Contingent Fee Work)
  3. 3 Let Us Answer Your Questions
Fill out the contact form or call us at (866) 529-3537 to schedule your free consultation.

Leave Us a Message