Uninsured Motorists‐ Know How Risky Their Driving Could Be https://www.medlegal360.com/uninsured‐motorists/ Uninsured drivers are those who do not have liability insurance to protect victims in the event of a collision or property damage to others. Uninsured motorists have to face severe legal consequences when involved in accidents. Better to get at least a low premium insurance claim than to end up getting penalties. Uninsuredmotorists
What happens when you are hit by an uninsured motorist? https://www.medlegal360.com/uninsured‐motorists/ Have you been in a traumatic accident? Are you in financial trouble as a result of skyrocketing medical costs? To relieve yourself of the financial damages incurred from the accident, file a personal injury lawsuit. But what happens if the defendant is an uninsured driver? Can you receive the recompense you seek? Read on to find out the answers to all of your questions. Uninsured motorists are those who do not have liability insurance to protect victims in the event of a collision or damage to others. According to 2019 data, one out of every eight drivers in the United States does not have auto insurance. The data chart shows that the number of uninsured motorists in Mississippi is high. What happens if the defendant is an uninsured motorist? When an uninsured motorist causes an accident, the plaintiff's uninsured motorist policy pays for the resulting financial losses. People who have car liability insurance must pay more because of uninsured motorists. When compared to the previous decade, uninsured motorist claims increased by 75% in 2012. To comprehend the gravity of the situation, we must first understand the services provided by car insurance policies, such as uninsured motorist coverage and underinsured motorist coverage. Uninsured Motorist Coverage pays for the damages incurred by policyholders in collisions with uninsured motorists. Simply put, if the defendant is uninsured, your uninsured motorist coverage will pay for your medical bills, pain and suffering, lost wages, and funeral expenses. It includes four coverages such as uninsured motorist bodily injury (UM or UMBI), uninsured motorist property damage (UMPD), uninsured motorist bodily injury (UIM or UIMBI), and uninsured motorist property damage (UIM or UIMBI) (UIMPD). When the at‐fault driver's liability limits are less than your claim, underinsured motorist (UIM) coverage comes to your aid. The defendant's policy will cover your damages up to the limits of his policy. Your underinsured motorist coverage will pay for the remaining damages. Hit‐and‐run and uninsured motorist coverage When the defendant flees the scene without stopping to share his insurance and personal information to the victim or to check on the victim, it is known as a hit‐and‐run accident. When the defendant is unknown in an accident, you cannot sue anyone to cover your damages. In such instances, the uninsured motorist policy will kick in. if your damages come under the policy limits you have, it will be covered. Otherwise, you can sue them for the rest of the damages.