What Happens If I Am Hit By An Uninsured Or Underinsured Driver?
Car accidents are hard enough without the complications of an uninsured or underinsured driver. Despite laws that require car insurance, there are many uninsured drivers on the road. There are many more who carry only the minimum liability insurance required by law.
At the law office of Bailey, Womble & Yelton, our attorneys are dedicated to helping accident victims recover the maximum possible compensation for their injuries – regardless of the circumstances. We want everyone to understand their rights after an injury.
Here are the answers to some of the most important questions about accidents involving uninsured and underinsured drivers.
1. What is the difference between an uninsured and underinsured driver?
Uninsured drivers have no auto insurance at all. An underinsured driver has auto insurance, but the limits on the policy make it inadequate to cover the amount of damage the driver has caused. Mississippi requires drivers to carry minimum liability coverage of $25,000 for a person for personal injury or $50,000 for all people injured in an accident.
2. If an uninsured or underinsured driver causes your car accident, are you simply out of luck?
Many people think that they do not have any legal options if they are hit by a driver who has no insurance or not enough insurance to pay for their losses. This is simply not true. Your own uninsured motorist or underinsured motorist coverage (UM/UIM) is designed to cover your medical bills and other losses in this situation.
3. How do you know if you have UM/UIM insurance coverage?
Insurance companies in Mississippi are required to offer you UM/UIM coverage. This means you have the coverage unless you turned it down. Our lawyers offer a free initial consultation to review your coverage and discuss your rights after an accident.
4. Will my insurance rates go up if I file a UM/UIM claim?
Your insurance company cannot legally raise your rates due to a UM/UIM claim. However, it is important to get legal help with these kinds of accidents. Your insurance company may look for a reason to deny your claim or pay you less than you deserve.