Choosing your auto insurance coverage should take a lot of careful thought and factor in a variety of scenarios that you could potentially find yourself in when you’re out on the open road. It’s an unfortunate reality, but you can’t always trust the other drivers you’re sharing the streets and highways with to operate their vehicles in a responsible manner. You also have no control over whether or not they cover themselves with adequate insurance. In fact, a good percentage of people nationwide are still neglecting to drive with the coverage required in their state. This is why adding uninsured motorist coverage to your policy can make a significant difference in the expenses of an accident.
Learn the truth about some of the most common misconceptions regarding this type of coverage and consult with an experienced Redding uninsured motorist attorney right away if you find yourself involved in an incident.
The Insurance Company Will Take Care of Everything
Because it’s their own insurance company that ends up providing the compensation in an uninsured motorist case, oftentimes drivers mistakenly believe that everything will be taken care of without question. However, even if you are not at fault, making a claim against your own insurance carrier won’t be any easier than it would be someone else’s. Though you shouldn’t be hesitant or fearful of utilizing the coverage you’ve paid your insurance company for, having an uninsured motorist attorney on your side can make the process much smoother.
Uninsured Motorist Coverage Isn’t Necessary Because the Driver Can Be Sued
Many people opt out of paying a little extra each month for this coverage and decide that they will just pursue a lawsuit instead if it ever becomes necessary. While obtaining counsel from an uninsured motorist attorney is a good idea to make sure you don’t get the short end of the stick from your insurance company, having them file a claim against the uninsured party probably won’t benefit you much. Chances are, they were driving without insurance because they didn’t have the money to pay for it in the first place, which means it won’t be in their budget to pay for the extensive medical bills incurred from your injuries.
Getting Uninsured Motorist Coverage is Always a Choice
Uninsured motorist coverage is still a choice in several states, but not all. The laws and regulations concerning coverage obligations vary from state to state. Some may allow you to stack policies while others forbid it, and there may also be limits on the amount you can be insured for. Always check with your insurance company to see what your state requires to ensure that you are properly covered.
Uninsured Motorist Coverage Will Pay For All Damages/Cover Any Uninsured Driver
Having uninsured motorist coverage included in your policy will allow you to recoup costs for bodily injury but excludes any damages to your property. Your collision coverage will be responsible for paying out on car repairs. It’s also important to understand that uninsured motorist insurance only provides security when it’s the uninsured driver that is found at fault.
You have many options to consider when signing up for auto insurance. Be certain you make an informed decision and select a policy that fully protects you, so that a Redding uninsured motorist attorney can help you recover all the damages you’re entitled to.
Drivers in Oklahoma who have an accident with an uninsured or underinsured driver may see it fit to seek the legal advice of a lawyer if they wish to pursue a claim.