When a client hires the Morris Bart personal injury firm, they can be sure that every attorney on our staff will do their best to make sure we get as much money as we can for that client’s injury claim.
In order for us to do our best, we will, at the beginning of a case, determine what insurance coverage is available to recover for the client. We will ask the client, specifically, what coverage they have on your vehicle at the time of the accident. Often, what I am told is that “I have full coverage.”
Unfortunately, what this usually turns out to be is not full coverage. Those words in the insurance industry mean Liability, Collision and Comprehensive coverage. Collision coverage can help a client when it comes to paying for the damaged vehicle, but none of these coverages pay anything to the client for their injury.
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Sadly, the insurance agent that told the client that they were getting full coverage was really working as an agent for the Insurance Company not the customer. In order to be better protected, I urge all in the community to consider purchasing Uninsured Motorist Coverage “Bodily Injury protection. The reason we do this, is because so many motorists drive around with either no insurance at all or with the least amount of coverage required by law. If a person has their own Uninsured motorist coverage, it can be used to pay an injured person when the at fault driver turns out to have no insurance on their vehicle. It can also be used as Underinsured Motorist protection when our client has serious injuries and the at fault driver does not have enough insurance to fully compensate our client for these serious injuries.
Please take the time to review your auto insurance policy and consider asking your agent to add this Unisured Motorist Coverage so that you and any passengers in your car can be better protected when it come to an accident with injury. By the way, this is usually one of the most affordable coverages to include in your policy, especially when it comes to what you can get when you use it compared to what it costs. Also, by law, an insurer may not drop you or raise your rates for making an Uninsured Motorist Claim on the policy when you are not the at fault driver.
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