What’s the Difference Between Uninsured Motorist Coverage and Underinsured Motorist Coverage? (Part One)

Many people who find themselves injured in an auto accident caused by another driver’s negligence may be wondering how uninsured motorist coverage and underinsured motorist coverage differ from one another. Here’s an example. Say you’re seriously hurt in a car accident in Arizona that is caused by somebody else. It is that person’s responsibility to pay for your medical bills, lost wages, and pain and suffering. However, say the at-fault driver doesn’t have any car insurance. Are you out of luck then?

Not if you have uninsured motorist coverage in your car insurance policy. An uninsured motorist claim can be made when the negligent driver has absolutely no insurance. So your own insurance policy provides the coverage that the other person’s insurance policy should have.

Underinsured motorist coverage deals with a comparable situation, but it comes up more frequently when there are serious injuries involved. Here’s an example.

Let’s say you’re badly injured in a car accident and you require a vast amount of medical care. The medical costs get so high that the negligent driver’s insurance no longer covers the medical expenses, let alone any lost wages or pain and suffering incurred as a result of the accident. This is the type of situation where an underinsured motorist claim can be made. In these cases, you would turn to your own insurance company to access this coverage. Underinsured motorist coverage will pay for things like medical bills, lost wages, frustration, depression, and any other pain and suffering you’ve endured.

If you find yourself in this particular situation, the skilled Mesa car accident lawyers at Breyer Law Offices, P.C. understand what it takes to adequately protect your rights as an injury victim so that you can obtain the compensation that you deserve. Contact our experienced attorneys today for a free consultation of your auto accident case.

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