Tuesday, April 26, 2011

Uninsured Drivers

As a Bay Area auto accident attorney, I see a lot of unfortunate cases where people are injured or even killed by negligent drivers who have no automobile insurance or very low limits.  This is why everyone should buy as much Uninsured Motorist Coverage from their own insurance company as they can.  The coverage is relatively inexpensive and can usually be purchased in an amount up to the liability limits a driver has for injuries to others.  Uninsured Motorist Coverage will result in your own insurance company standing in the shoes of the uninsured or underinsured driver.  If the fault is with that driver, your own insurance company is required to compensate you in the same amount you would receive from the uninsured motorist or underinsured motorist if he or she had insurance.

I recommend that you review your automobile insurance policy and make sure you have plenty of uninsured motorist coverage.  Your insurance agent can help you with this analysis.