The Insurance Research Council (IRC) estimates that 1 driver out of every 7 drivers in the United States is currently uninsured.
If you have suffered a personal injury in an automobile accident with a driver who neither has insurance coverage nor has enough to cover your injuries and economic loss, you may still be able to recover damages for your injuries under what is known as underinsured motorist coverage.
What Is Underinsured Motorist Coverage?
In most states, underinsured motorist coverage will help cover your costs for bodily injury when the other driver’s insurance is not sufficient, as long as your own bodily injury limits is higher than the other drivers limits. In most states however, before you are able to make such a claim you must fill out a police report describing the accident and promptly report the accident to your own insurance company.
Medical Pay Coverage
Another way of protecting yourself is to purchase Medical Payment Insurance (Med-Pay) from your car insurance company. This will provide you and your passenger access to additional monies for the sole purpose of paying the medical bills up to a certain limit (recommended that you have $10,000 or more in Med-Pay coverage) irregardless of who caused the accident.
In all cases, you should act immediately in obtaining medical care and consulting with a lawyer because there are time limitations within which you must file a claim or it will be barred. It is advised that contact a reputable personal injury lawyer and learn about their services.