Having Adequate Vehicle Insurance Coverage

“This is the time of year when a lot of people are involved in serious motor vehicle accidents weather that be motorcycles or on highways when there is more travel. What we see frequently in our office is when people are involved in a serious accident, there is often times not enough insurance coverage on the part of the party or person that causes the motor vehicle accident so there’s a need for you to go underneath your own coverage, your own automobile policy to be compensated for a serious accident. We always recommend to people when they come to our office is to contact your auto insurance agent and make sure that you have what they call Underinsured and Uninsured Motorist coverage. Uninsured obviously applies to a situation where the person that causes the accident does not have any insurance. Underinsured refers to a situation where the person that causes the accident has some insurance but not enough to cover the full extent of your damages. With the cost of medical care now, it doesn’t take very long when you are in the hospital to run through a person who only has let’s say $25,000 or $50,000 of liability insurance coverage. You can go through that coverage in a week or two in the hospital so it’s important to get adequate insurance coverage to protect you against the other guy.”

“Even if the other guy is required by state law to have insurance, a lot of people still don’t have it.”

“A lot of people. The statistics I’ve heard vary, but they say up to 20% of the drivers on the roadways do not have any insurance what so ever.”