Watch this video about car accidents with an underinsured motorist in Idaho. Then call Hepworth Holzer for a free consultation in Boise, ID.
Question:
What if I’m in a car accident and the other driver doesn’t have any insurance?
Answer:
It can cause a person’s stomach to drop when they learn that the other driver who caused a wreck is uninsured. We are all conditioned to think that the other people that are on the road are insured and will have insurance to take care of the damages caused when they make a mistake driving. What do you do if they are uninsured? That actually requires preparation ahead of time. One, it’s a criminal claim against them, and they may ultimately be prosecuted, and you may ultimately get some kind of restitution order. If a person is not buying insurance for their car that they’re driving, the chances of you actually recovering money from them is not just small, it’s minuscule. What you want to do ahead of time is purchase your own uninsured motorist coverage.
Uninsured motorist coverage and its companion, underinsured motorist coverage, are coverages that you purchase to protect you in a Boise, Idaho car accident with an uninsured motorist. That way, you have insurance to pay the bills and to provide compensation for all your losses. Our advice is to buy as much uninsured and underinsured motorist coverage as your budget will reasonably allow you to do. It’s relatively cheap coverage, and it’s there to protect you. It’s like putting on your seat belt; it’s just something that you should do to take care of yourself. Around five to eight percent of the drivers out there are not insured, and, while the state may put them in jail for that or charge them a fine for that, that doesn’t take care of your medical bills, your wage losses, or your pain and suffering.
If you’re concerned about an uninsured motorist claim, or you need to make an uninsured motorist claim against your own auto insurance policy, or you want to talk about uninsured motorist coverage and underinsured motorist coverage to help you decide how much to buy for yourself, even if you’ve not been in a wreck yet, we’ll be happy to talk to you about those things and give you some guidance and discuss your situation with you. We don’t see insurance, but we want you to have it. Give us a call if we can provide any assistance in this area.
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Please contact an experienced Boise personal injury attorney at Hepworth Holzer by calling (208) 369-9633 or online at hepworthholzer.com
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