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Posted by on Aug 10, 2016 in Car Accidents | 0 comments

Understanding The Basics of Uninsured Motorist Coverage

Auto insurance can help you get coverage in case of accidents. Your policy will save you from the huge expenses associated with auto accidents. But what if the other driver who got involved in the accident does not have insurance coverage? According to estimates by the Insurance Research Council, 1 in every 7 drivers does not have insurance. This is in the light of the fact that such accidents can mean significant costs if the uninsured driver was deemed at fault.

Most insurance companies now offer uninsured motorist insurance. While some drivers do not have any coverage at all, others carry only the minimum cover required by their state. In most instances, this is not enough to shoulder the medical bills for injuries. This is called underinsured motorist coverage.

Uninsured/Underinsured motorist coverage shoulders medical costs as well as damages to your car or other properties caused by an uninsured driver. But what does this type of insurance cover? Typically, this kind of policy will provide coverage for bodily injuries. It will cover you as well as your passengers for medical expenses, pain and suffering, and lost wages. It also provides coverage if you are a victim of a hit-and-run accident.

Uninsured motorist insurance have a set minimum coverage limits and it is recommended to choose higher limits.

Split Limits

In most instances, your insurance coverage will differ if there is one person injured versus multiple people injured.

Combined Single Limits

You also have the option to purchase a combined single limit policy which is a single amount that your carrier will cover for all bodily injuries.

Property Damage Coverage

Property damage is usually not required and not offered at all in most states. However, if it is offered consider purchasing it as it can free you from significant expenses usually associated with property damage.

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Posted by on Jan 5, 2015 in Car Accidents | 0 comments

No Christmas Cheer this Year for Some

A lot of car accidents occurred this holiday season that is sure to put a crimp in the festivities for those involved. At the very least, parties to the accidents are facing a frustrating time filling out forms and making claims for property damage. At worst, some families may be spending the holidays in hospital waiting rooms or in funeral homes.

Car accidents happen all the time, but most especially around holidays. With Thanksgiving, Christmas, and the New Year all clumped together, more people are on the road going to or coming from parties, and those who have had a convivial time are the most likely to get into an accident.

In Massachusetts, for example, the car of an unlucky 60-year-old driver involved in a three-way fender bender along Interstate 90 was hit by an inattentive truck driver who plowed into the parked vehicle even as the first accident was being investigated by state troopers. The driver was seriously injured while his female passenger died on the scene. As described on the website of personal injury law firm Crowe & Mulvey, LLP in Boston, the facts of the case indicate that the injured driver was a victim of negligent driving in the second accident.

In Kentucky, numerous car accidents were logged on the highways for the holiday break, many because of the unseasonably wet weather but mostly only resulting in property damage. A notable exception is the tow truck driver who was hooking up an abandoned vehicle on the side of Interstate 495 when a box truck hit and killed him instantly. The box truck driver was charged for reckless driving and other violations of commercial trucking safety regulations. A Louisville car accident lawyer would have to be consulted for civil action against the negligent driver and trucking company.

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