Consider this scenario. You’re hit from behind by another vehicle. The driver of that vehicle doesn’t have insurance. Your vehicle sustained thousands of dollars in damage and you racked up several thousand more in medical expenses. What do you do?
You might expect a law firm to say, “Sue the uninsured driver for everything he’s got!” But you’d probably be wrong. If the at-fault driver doesn’t have car insurance, he probably doesn’t also have the money you might win in a lawsuit. Most attorneys will advise you against that course of action, as it’s a waste of time and resources.
Instead, we’d advise you to pursue your own insurance company, up to the limit of your underinsured coverage. Underinsured coverage protects you in the event you are in a car wreck with a driver that doesn’t have enough insurance to cover your damages or no insurance at all. These policies are pretty affordable and can usually be added relatively easily to an existing policy.
Considering more than 10% of drivers out on the road today don’t have car insurance, it’s a good idea to consider underinsured coverage, just as it’s a good idea to call a lawyer if you’ve been injured in an accident. Call our Roanoke car accident lawyers today for a free consultation.