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Tuesday, July 7, 2009
Getting Hit by an Under-Insured Driver
I remember my grandpa always used to say that life isn't fair. When it comes to buying car insurance, he was certainly right.
You see, most states require that drivers carry a certain amount of liability insurance in case they cause an accident. So if you're hit by another vehicle and it isn't your fault, you would expect the other driver to be properly covered by insurance. That insurance would cover any damage to your car and to yourself, and hopefully that would be the end of it.
Of course, we all know that life isn't so simple. There is always the possibility, and these days it seems like a very strong possibility, that the other driver will not be insured. If this is the case, you will have to pay for your own damages out of your own pocket. Sure, the other driver can get into trouble for not having insurance.
But that doesn't help you one bit when it comes to paying for your injuries. Likewise, you might think that it is appropriate to sue in this instance. Well, that is certainly your right, but what if the other driver doesn't have any assets? Pursuing a lawsuit can be a long and expensive process, and in the end you may not get anything.
The bottom line is that you should protect yourself by having adequate insurance coverage. Specifically, you should have uninsured motorist coverage which protects you in this type of situation we mentioned above.
No, it isn't fair. You shouldn't have to pay extra just to protect yourself in case someone else runs into you and doesn't have insurance to pay for it. It's not fair, but grandpa already told us that before. All we can do is protect ourselves just in case by purchasing coverage beyond our liability insurance.
You see, most states require that drivers carry a certain amount of liability insurance in case they cause an accident. So if you're hit by another vehicle and it isn't your fault, you would expect the other driver to be properly covered by insurance. That insurance would cover any damage to your car and to yourself, and hopefully that would be the end of it.
Of course, we all know that life isn't so simple. There is always the possibility, and these days it seems like a very strong possibility, that the other driver will not be insured. If this is the case, you will have to pay for your own damages out of your own pocket. Sure, the other driver can get into trouble for not having insurance.
But that doesn't help you one bit when it comes to paying for your injuries. Likewise, you might think that it is appropriate to sue in this instance. Well, that is certainly your right, but what if the other driver doesn't have any assets? Pursuing a lawsuit can be a long and expensive process, and in the end you may not get anything.
The bottom line is that you should protect yourself by having adequate insurance coverage. Specifically, you should have uninsured motorist coverage which protects you in this type of situation we mentioned above.
No, it isn't fair. You shouldn't have to pay extra just to protect yourself in case someone else runs into you and doesn't have insurance to pay for it. It's not fair, but grandpa already told us that before. All we can do is protect ourselves just in case by purchasing coverage beyond our liability insurance.
# posted by gopi @ 6:24 AM 
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