What do you do if you have been involved in an auto collision and the other driver just ran away or does not have insurance? What if you were a pedestrian or riding a bike and were hit by a driver who drove off or does not have any auto insurance? What should you do?
Fortunately, there may be a solution. If you have uninsured motorist or underinsured motorist (UIM) coverage on your auto policy, you will be able to make a claim against your own insurance company for your losses without any detriment to you. Even if you personally do not have auto insurance coverage, you still may be covered. For example, if you were a passenger in someone else's car and the owner of the vehicle you were in has UIM coverage, it should cover you. If you live with someone who is related to you who has UIM coverage, it also may cover you. Even if you are a pedestrian or bicycle rider, if you or a relative you live with have UIM coverage, it may cover you. If you think any of these may apply, be sure to tell your lawyer right away.
The UIM insurance company pays when the other driver doesn't have any (or enough) insurance. UIM insurance coverage covers the following losses:
* Ambulance, paramedic, hospital and medical bills, including dental, x-ray, MRI, and prescriptions;
* Loss of wages, earnings, and income;
* Pain, suffering, disfigurement, emotional distress, and loss of enjoyment of life activities; and
* Loss of future earnings and earning capacity.
Are you worried about making a claim against your own insurance company? You should not be! Remember, UIM coverage is not a gift from your insurance company. You already paid a premium for it, so don't think you're taking advantage of your insurance company or doing anything wrong because you have to make an UIM claim. You also don't have to worry that your premium will go up if you make a UIM claim since most states prohibit premium increases if the collision was not your fault.
If we can be of service to you, your family, friends, neighbors, or co-workers, give us a call at 253.858.5434 to set up an appointment for a free initial consultation.