Uninsured motorist clause

What Happens If I’m in a Car Collision With an Uninsured Driver?

The uninsured motorist clause is a provision in an automobile insurance policy that offers protection to insured drivers in the event they are involved in an accident with an uninsured or underinsured driver. This clause serves as a safety net, ensuring that victims of car accidents are not left financially burdened due to another driver's negligence or lack of insurance coverage.

How Does Uninsured Insurance Coverage Work?

The uninsured motorist clause provides coverage for bodily injury and, in some cases, property damage caused by an uninsured or underinsured driver. The coverage limits vary depending on the policy and the state in which it is issued. It is important to review your insurance policy to understand the specific coverage and liability limits.

In the event of an accident with an uninsured or underinsured driver, you will need to file a claim with your own insurance company under the uninsured motorist clause. Your insurance company will then step into the shoes of the at-fault driver and handle the claim as if they were responsible for the damages.

Similar to other types of insurance coverage, uninsured motorist coverage may have deductibles. The deductible is the amount you are responsible for paying before your insurance company provides reimbursement for the damages. Your car accident lawyer at MVP Accident Attorneys can help you understand the deductibles and navigate the reimbursement process.

The implementation of the uninsured motorist clause was driven by the need to protect individuals from the potential financial hardship caused by uninsured or underinsured drivers. Uninsured motorist coverage ensures that victims of car accidents have an avenue to seek compensation for their losses, even if the at-fault driver is unable to provide it.

Can a Lawyer Handle Communication With My Insurance Company?

If you have been involved in an accident with an uninsured or underinsured driver, it is crucial to consult with a car accident lawyer at MVP Accident Attorneys. Dealing with insurance companies can be challenging, especially when it comes to uninsured motorist claims. A car accident lawyer at MVP Accident Attorneys will handle all communications and negotiations with the insurance company on your behalf, working to secure a favorable settlement.

Our legal team specializes in car accident cases and possesses in-depth knowledge of insurance laws, regulations, and liability issues. They will review your insurance policy, assess the circumstances of the accident, and provide expert guidance tailored to your case.

Additionally, understanding the intricacies of insurance policies can be complex. An attorney will thoroughly analyze your policy, assess the uninsured motorist clause, and determine the extent of your coverage and the liability of the uninsured or underinsured driver.

Contact Us Today!

Car accidents can have a profound impact on your life, both physically and financially. At MVP Accident Attorneys, we offer free consultations to evaluate your case, discuss your legal options, and provide guidance on the next steps to take

Don't delay in seeking the compensation you deserve for your accident-related damages. Contact MVP Accident Attorneys today and let them guide you toward the justice and compensation you are entitled to.

Author

Brett Sachs

Founder

Brett S. Sachs graduated from Michigan State University College of Law with Cum Laude Honors. While attending Michigan State, Brett was awarded for his service in the Michigan State University College of Law Civil Rights Clinic, where he represented prisoners of the Michigan Department of Corrections from injustices brought upon them. Learn more.