Uninsured motorist coverage (UM) provides protection when you are injured after being hit by an uninsured driver or a hit and run driver. This may be a bigger problem than some think, as the Insurance Research Council (IRC) estimates a one in seven chance across the country that a driver is not insured. If you were the victim of a crash, contact an attorney in Miami at Wolf & Pravato.
5 Ways Uninsured Motorist Coverage Can Help: Bills and Earnings
No one can predict when he or she will be involved in an accident and what the outcome will be. Suddenly you could find yourself carrying a heavy financial load. Uninsured motorist coverage (UM coverage) may help individuals who are hit by an uninsured driver recover compensation to pay for damages.
A second way that uninsured motorist coverage can help is with your earnings. While you are unable to work you may be without income, which may be covered through your policy.
Hit By Uninsured Driver: Disabled, Property Damage, and Emotional Trauma
This type of coverage may also help if you are declared permanently disabled and won’t be able to return to work. This can be especially devastating if you haven’t truly begun your career yet. Your potential earning capacity may be covered through your UM policy.
If you carry uninsured motorist property damage coverage, your property damage may be covered. Car repair or replacement can be costly, leaving some with a heavy financial burden. UM coverage helps to lessen or remove that burden.
Finally, you may find that your coverage can cover emotional trauma as well. This may not come with a specific financial link, but emotional distress caused by the accident may impact earnings, medical bills, and general quality of life in some cases.
Consult an Auto Accident Attorney
If you are in an accident and would like to review your legal rights or require assistance with your insurance claim in Miami, contact an attorney at Wolf & Pravato at 305-888-7338 or 954-633-8270. A lawyer will review your uninsured motorist coverage as you file your claim if you are hit by an uninsured driver. For a serious car accident in Florida, you’ll want to protect your claim. Find out how on our website using our free eBook.