Facts About Uninsured Motorist Accidents

ByDarren Kutcher

Most areas require you to carry uninsured motorist coverage. However, making sure you add enough can help you to save a lot in the event you are in an accident with a driver without insurance. Keep in mind millions of people are on the highways without coverage. Adding this portion of your policy is important.

Talk to your agent about the amount of uninsured coverage you need. Most policyholders take out the same amount of this coverage and liability. Consider the costs of one hospital visit for medical reasons related to the wreck. Imagine if these visits became more than one. Making sure you are going to be covered is vital.

Making a claim to your company about damages incurred in this type of accident is important. You should make this call as soon as possible after the accident. Be sure to gather the information you will need for relaying the events of the accident. Remember to file a police report as well as the other drivers information. If there are witnesses to the events, you might consider talking to them as well. Contacting a lawyer is a good idea.

Some accidents with uninsured drivers means a day in court. In most cases, a lawyer does become involved. You should make sure to select one soon after the accident. Discuss the event of the accident and learn if you will need legal representation. Several kinds of circumstances related to this kind of accident require legal interpretation.

You may also need a lawyer if your company has issues with your claim involving an uninsured motorist. You could be discharged from coverage under a breach of contract is some cases. Talking to an attorney is advisable before making final decisions about this kind of situation. You have less stress knowing your lawyer is doing the talking in some situations involving an accident.

You may get into an accident with driver that does have coverage. However, this driver might also not be in agreement with his or her company. Consider what your steps would be if that company called and said because of the non-compliance with the driver, your claim cannot be paid. You can file the incident with your company under uninsured motorist parts of your policy.

Taking your auto coverage seriously and learning all the details about can help you to save a lot of money. You can also rest knowing you have the kind of coverage you need for your personal circumstances.

You can find details about Georgia car insurance requirements and tips on how to effectively compare car ins quotes, right now.

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Insurance: Car-Auto
Darren Kutcher

Email Address:SubscribeCar Auto Article FeedFind More ArticlesSearchSimilar ArticlesGetting Affordable Car InsuranceHow to Save on Auto InsuranceLowering The Cost Of Auto InsuranceRecent ArticlesWhat You Need To Do To Obtain Cheap Car InsuranceReasons Why Men Are Better Drivers Than WomenHow Little Lies Can Cost You DearlyChoosing A Car Insurance Company To Insure Your Car WithDoes Credit Affect Insurance Rates?Facts On Cheap Young Driver Car InsuranceThe Benefits Of Online Comparison Shopping For Your InsuranceInformation About Connecticut Car InsuranceSave Money by Comparing Cheap Car Insurance Quotes OnlineWhen Was Car Insurance Invented and Why?Submitted On March 09, 2012. Viewed 1 time. Word count: 412.

MLA Style Citation:
Kutcher, Darren".".9 Mar. 2012EzineArticles.com.14 Mar. 2012 .APA Style Citation:
Kutcher, D. (2012, March 9). . Retrieved March 14, 2012, from http://ezinearticles.com/?Facts-­About-­Uninsured-­Motorist-­Accidents&id=6930101Chicago Style Citation:
Kutcher, Darren "." EzineArticles.com. http://ezinearticles.com/?Facts-­About-­Uninsured-­Motorist-­Accidents&id=6930101EzineArticles.com© 2012 EzineArticles.com
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Checking Out The Benefits Of Uninsured Motorist Coverage

ByJimmy Webster

The number of people driving without legal insurance coverage might surprise you. This is one of the greatest reasons some parts of your policy may seem too expensive. The money you pay helps to offset the damages caused by those drivers without coverage. In the event you are involved in an accident with an uninsured motorist, your need for additional coverage goes way up.

Most areas require drivers to maintain a minimum amount of insurance coverage. However, if you have an accident with someone that has no insurance, the legal minimum amount will not cover your damages. Liability will only cover the other driver. You may suffer injuries that require expensive medical treatment. Your car could be totaled out as well.

Think about the amount of money it might cost you to get back on your feet after being in this kind of accident. This is even truer if you sustain serious injuries that keep you from working. Making sure you have appropriate insurance coverage can provide a safety net bigger than you might imagine.

Car theft is on the rise and in the event you are in the vicinity of a theft, you might think about the stability of a nervous thief behind the wheel. If you by chance get into a wreck with that thief, you would be in an accident with another type of uncovered driver. Maintaining uninsured motorist coverage will allow you the benefits necessary for medical and vehicular costs under these unique circumstances.

Hit and run accidents are unfortunately common place. Not being able to identify the other driver or car in an accident can be tricky. By including this type of coverage to your policy, you stand better chances to have some of the damages taken care of. The car that is hit while parked should be filed under your the collision portion of your policy.

The car accident that causes you serious injury can devastate your life. However, by keeping uninsured motorist coverage, you can receive compensation for lost wages and for the pain and suffering you are experiencing as well. This would be an awesome asset to your medical insurance plan during this kind of situation. Talk to your agent about adding additional parts to your policy.

Taking care of your future starts with getting great auto insurance coverage. By making certain you will not be financially set back by a car accident, you can have peace of mind.

You can get inexpensive ins tips and a list of the best auto insurance companies on our website, right now.

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Jimmy Webster

Email Address:SubscribeCar Auto Article FeedFind More ArticlesSearchSimilar ArticlesHow to Find a Cheap Insurance CompanyHow To Find Inexpensive Auto Insurance PoliciesTips For Finding Inexpensive Auto InsuranceHow To Find Cheap Car Insurance Policies5 Tips for More Affordable Car InsuranceBuy Car InsuranceRecent ArticlesCanadians Spend Average Of $3,100 Per Year For InsuranceDoing Your Homework Before Purchasing Insurance Saves You MoneyExploring The Reasons You Need Enough Insurance CoverageHow Staying With One Insurance Company Can Save MoneyThe Cheapest Insurance Coverage For Your Business VehiclesHow To Find The Least Expensive Vehicle CoverageAuto Insurance Policies - Different Types of Automobile Indemnity CoversAuto Insurance Policies For Amateur DriversAuto Insurance Policies - Some Basic Points To Remember While You PurchaseInsurance Shopping StudySubmitted On February 20, 2012. Viewed 0 times. Word count: 407.

MLA Style Citation:
Webster, Jimmy".".20 Feb. 2012EzineArticles.com.23 Feb. 2012 .APA Style Citation:
Webster, J. (2012, February 20). . Retrieved February 23, 2012, from http://ezinearticles.com/?Checking-­Out-­The-­Benefits-­Of-­Uninsured-­Motorist-­Coverage&id=6892956Chicago Style Citation:
Webster, Jimmy "." EzineArticles.com. http://ezinearticles.com/?Checking-­Out-­The-­Benefits-­Of-­Uninsured-­Motorist-­Coverage&id=6892956EzineArticles.com© 2012 EzineArticles.com
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Uninsured and Underinsured Motorist Coverage: Important Car Insurance No One Has Explained To You

ByDavid Brauns

The following scenario happens every single day at law offices across the United States...

A potential client who has suffered devastating injuries in a car accident and was hospitalized calls an attorney. Her hospital bills alone exceed $45,000. The first question the attorney asks is "How much UM Insurance do you have?" The client almost always responds, "UM, what's that?"

Uninsured or Underinsured Motorist Coverage, or UM for short, is optional insurance that is part of your car insurance policy. It covers you if you or are hit by either an uninsured driver, a hit-and-run driver, or in some cases when the other driver has inadequate insurance to pay for your total loss. UM is essentially insurance against the other driver not having enough insurance. You buy it to protect yourself.

So why don't more people have it?

UM is optional coverage and many insurance companies don't suggest you purchase it. Unlike liability insurance, where they can look at your own driving record to predict your risk, UM is protecting against all the other drivers on the road, something impossible to accurately calculate and therefore price well.

2 Types of UM Insurance

If your insurance company ignoring UM coverage were not enough injustice, there is a rule in some states such as Georgia known called the Reduction Rule. Surprisingly, you may not be entitled to the full amount of your UM - the insurance you have been paying premiums on. The Reduction Rule says you only get the difference between the other driver's liability coverage and your UM coverage. An example is in order.

If you have $100,000 in UM and the other driver has $25,000 in liability coverage, you are only entitled to $75,000 of your UM, not the full amount. This is because your UM coverage is reduced by the other driver's insurance.

Even more unfair is where you have $25,000 of UM and the other driver has $100,000 bodily injury coverage. Here you do not get any of your UM because it's less than the other driver's coverage.

The better type of UM is called Add-On. Add-On is probably what most people think of when assuming how UM insurance works. Add-On coverage takes your coverage amount and adds it on to the at fault driver's insurance policy. This gives you the full value of the insurance you thought you purchased and had been making payments on.

So, the takeaway here is to first understand whether your State uses Reduction or Add-On and then assess how much UM you can afford. At least $100,000 is preferable.

For more information on insurance issues pertaining to personal injury claims, please visit http://AtlantaPersonalInjuryCenter.com. Atlanta Personal Injury Center is a site written by an Alpharetta personal injury attorney that is dedicated to helping everyone understand all the aspects of their personal injury case.

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Insurance: Car-Auto
David Brauns

Email Address:SubscribeCar Auto Article FeedFind More ArticlesSearchSimilar ArticlesUninsured Motorist Coverage - What is it and Why You Must Have ItStacked Versus Unstacked Uninsured Motorist CoverageHave You Had a Run In With An Uninsured Motorist?Uninsured Motorists ExplainedUninsured Motorist Insurance in Florida - Are You Fully Covered?The Uninsured MotoristMaking an Uninsured Motorist ClaimUninsured Motorist ProtectionHow to Guard Against Uninsured MotoristsUninsured Motorist Coverage - Insurance Coverage That Every Driver NeedsRecent ArticlesHow Save Money On Your Auto InsuranceTips on How to Pay for Car InsuranceWhy You Should Own a ConvertibleChoosing a Good Auto Insurance CompanyTips on Getting Auto Insurance Quotes OnlineThe Steps For Filing A Car Insurance ClaimTheft of Personal Property From Car - Does Your Insurance Cover It?Learning From A Vehicle Insurance OverviewHow to Choose the Right Car Insurance PlanWhat Information Do I Need to Compare Car Insurance Online?Submitted On January 12, 2012. Viewed 15 times. Word count: 435.

MLA Style Citation:
Brauns, David".".12 Jan. 2012EzineArticles.com.26 Jan. 2012 .APA Style Citation:
Brauns, D. (2012, January 12). . Retrieved January 26, 2012, from http://ezinearticles.com/?Uninsured-­and-­Underinsured-­Motorist-­Coverage:-­Important-­Car-­Insurance-­No-­One-­Has-­Explained-­To-­You&id=6812885Chicago Style Citation:
Brauns, David "." EzineArticles.com. http://ezinearticles.com/?Uninsured-­and-­Underinsured-­Motorist-­Coverage:-­Important-­Car-­Insurance-­No-­One-­Has-­Explained-­To-­You&id=6812885EzineArticles.com© 2012 EzineArticles.com
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