Our No-Fee Promise: You Don’t Pay Unless We Win

What Is Uninsured Motorist Coverage and How Does It Work?

Jan 9, 2022 | Accident Claims

When a car accident occurs, it can be an emotional and stressful time. In the hours following a collision, the injured party will need to assess whether they have medical coverage or not. The next step is determining if their auto insurance company will cover for uninsured motorists. In most cases, when someone purchases auto insurance coverage for themselves, they are also getting uninsured motorist coverage as well—this covers the other driver in case he or she does not have any form of auto insurance protection. It can be a small consolation to know that auto insurance coverage—whether yours or the other driver’s—will help pay for medical bills and vehicle damage in the hours and days following a car accident.

What Is Uninsured Motorist Coverage and How Does It Work?

If you’re in an accident with someone who is uninsured, you’ll almost certainly have to rely on your own insurance company to compensate you for your damages Uninsured motorist (UIM) coverage, which is usually an add-on protection, is your best bet. Uninsured motorist coverage generally only covers your bodily injuries.

Underinsured motorist coverage is similar to uninsured motorist coverage in that it pays for bodily injuries suffered in a collision with a driver who does not have enough coverage to compensate for your injuries. Your underinsured motorist policy kicks in to assist cover the gap between the other driver’s coverage and the entire amount of your losses.

The period of time a policyholder has to file uninsured or underinsured motorist claim depends on your policy.

What Can Collision Coverage Do for You?

Collision coverage, which may be added to a car insurance policy, pays to repair your vehicle if you’re in an accident, whether you’re at fault, if the other at-fault driver is uninsured, or if you’re hit by a hit-and-run driver. But remember that collision policy only covers the cost of repairing your automobile up to the limitations of your coverage, not your injuries.

Is It Possible to Sue an Uninsured Driver?

In this case, you can file a vehicle accident lawsuit, but even if you win, it may be a hollow victory. There’s no assurance that if you get a judgment against an uninsured motorist, you’ll be able to collect the money (or any portion of it). Due to the fact that an uninsured driver may not have many assets, enforcing the judgment may be a lost battle.

Los Angeles Auto Automobile Accidents Attorneys

If you’ve had serious injuries that aren’t covered by proper insurance, it’s important to speak with a knowledgeable automobile accident lawyer about your alternatives. Find out how an attorney might assist you with a vehicle accident claim. Contact a Los Angeles attorney today at 310-933-5171 for a free consultation.