Uninsured and Underinsured Drivers and Automobile Accidents

    ORLANDO, FL, June 03, 2009 /24-7PressRelease/ -- Uninsured and underinsured automobile insurance coverage protects drivers when the other driver in an accident does not have enough automobile insurance coverage or no automobile insurance coverage.

Uninsured and underinsured automobile insurance coverage pays for your injuries and property damage when you are involved in an accident with a person who is at fault and has no liability insurance coverage, or just the minimum limits of liability coverage.

Most automobile insurance companies offer a wide variety of coverage options when it comes to automobile insurance coverage. Purchasing just the minimum coverage available is risky since the minimum coverage available may not be enough in the event of a serious injury accident.

Uninsured automobile insurance coverage pays for damages caused by a driver with no insurance. Underinsured automobile insurance coverage pays for damages caused by a driver with less insurance than is needed. Not everyone has uninsured and underinsured automobile insurance coverage on their policies, but you are better off having this coverage.

Uninsured and underinsured automobile insurance coverage is for those times when:
• You or a loved one is injured in an automobile accident with an uninsured or underinsured driver
• You or a loved one is injured in an accident with a "hit and run" driver
• You or a loved one is injured through no fault of your own, but the other driver is uninsured or underinsured
• Your or a loved one, as a pedestrian, is injured by an uninsured or underinsured driver

If you are involved in an automobile accident, you must obtain all the pertinent information from the other driver, including whatever insurance coverage they have, and give that information to your insurance company.
Your insurance company may require a signed statement from the uninsured driver stating they have no insurance. Then you can make a claim with your insurance company for your damages. In the event of an underinsured driver, you will be compensated for your damages by the underinsured drivers' insurance company up to the limits of their policy and then you will make a claim for the remainder of the damages with your insurance company.

Your own insurance company may not compensate you if they feel you were at fault and to what extent you suffered injuries. You need an automobile accident attorney experienced in uninsured and underinsured claims to protect your legal rights and make sure you get the compensation you deserve.

If you live in the Orlando, Florida area and you or a loved one was injured in an automobile accident by an uninsured or underinsured driver, please visit the website of The Law Offices of Michael Barszcz, M.D., J.D. today to learn more about your legal rights and whether you are entitled to compensation.

Source: The Law Offices of Michael Barszcz, M.D., J.D.
Website: http://www.themdjd.com

# # #