Automobile insurance exists to protect you from accidents that occur on the road or while you’re in a covered motor vehicle. Occasionally, an automobile accident occurs and the driver who is at fault does not carry legally required insurance. If so, your insurance may be required to provide coverage for an accident.
Many insurance policies contain Uninsured motorist coverage and undersinsured motorist coverage. Uninsured motorist coverage (“UM”) and underinsured motorist coverage (“UIM”) help to reimburse you for costs incurred from injuries in an accident involving someone who does not carry the legally required automobile insurance.
If you are involved in an accident when you are driving your own car, you are in a friend’s car, or you are a pedestrian struck by a car and the driver at fault does not have legally required insurance coverage, you may be able to make a claim on your insurance policy to compensate you for the injuries you sustained.
UM/UIM coverage also applies if you are involved in a hit-and-run accident where there is no exchange of insurance information with the other driver. You may also make a claim on your insurance policy if you are injured in your friend’s car, and your friend’s insurance is not enough to cover your injuries.
If you have been involved in an accident with a driver who does not have sufficient insurance coverage to compensate you for your injuries or property damage, contact the Law Office of Cristobal M. Galindo, P.C. for a free consultation with one of our experienced trial attorneys.