The Floyd Law Firm, PC

Uninsured motorist insurance might be a good investment

Driving in Surfside Beach is just as dangerous as driving anywhere else. Every day you could a few seconds or a few minutes away from a wreck with a distracted or otherwise reckless driver. You might think that since you have car insurance, you do not have to worry about the financial toll a car collision can have. In fact, since it is law for a driver to carry car insurance, you probably feel confident that if you are in a wreck with another driver, and he or she is at fault, that person's insurance will take care of all of the expenses.

However, what happens if the person who causes the accident does not have car insurance? Will your insurance company cover all of the costs?

The number of people who drive without car insurance would probably surprise you. In fact, almost one in eight drivers do not have insurance. Unfortunately, this means you have approximately a 12 percent chance of an uninsured driver hitting you. This is the reason why you should consider adding uninsured motorist coverage to your car insurance policy.

Bodily injury coverage

While your regular car insurance policy should cover at least a portion of your medical bills, it may not be enough to cover the full extent of your injuries. This is where uninsured motorist bodily injury coverage comes in. This coverage will provide you with protection if you suffer serious injuries due to a wreck with a driver who does not have car insurance.

Property damage coverage

Another part of the uninsured motorist coverage you can add is for property damage. Like the medical expenses, the damage to your car might be more than what your regular policy will cover. This added coverage for property damage might be able to take care of the difference so that you do not have to pay it out-of-pocket.

Underinsured motorist coverage

Uninsured and underinsured motorist coverage often come together as a package from many insurance companies. The underinsured coverage works just like the uninsured motorist coverage except that it will cover most of, if not all, of the difference between what the at-fault driver's insurance will cover and your actual medical and car repair expenses.

If you have suffered an injury due to a car wreck with an uninsured driver and you have the coverage mentioned above, you might be able to receive compensation for all of the expenses associated with the collision. However, if the insurance company denies your claim or there is not enough coverage to take care of all of the expenses, you might be able to take legal action.

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The Floyd Law Firm, PC
15 Highway 17 South
PO Drawer 14607
Surfside Beach, SC 29575

Phone: 843-353-1760
Fax: 843-238-9060
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