A car accident can be disastrous for you and your loved ones. Medical bills may be on the way for care that you’ve already received, future medical appointments may be needed, and you may be unable to work or resume everyday activities. An experienced auto accident attorney can help to recover fair compensation for your injuries from the at-fault driver’s insurance provider, but what if that driver was not insured? Or, what if the driver does have insurance, but the liability limits are not sufficient to cover your damages?
It has been estimated by the Insurance Research Council that 1 of every 7 drivers in the United States is uninsured. When the at-fault driver is uninsured, in many cases, there is no insurance from which to recover monetary compensation for your injuries. However, an experienced auto accident attorney may still be able to recover compensation for your injuries through any Uninsured Motorist (UM) coverage that you have with your own insurance provider.
UM coverage is designed to compensate you for damages resulting from a car accident when the at-fault driver either does not have an auto insurance policy or has auto insurance but does not not have enough liability coverage to pay for your damages. For this reason, we often recommend this coverage for clients, family, and friends. It serves as an extra layer of protection.
UM coverage is available in many states, including New Mexico. This insurance coverage may provide compensation for damages including medical expenses incurred, wages lost due to inability to work, and the pain and suffering that you’ve endured. UM coverage may also cover injuries that are sustained by your passengers in the accident.
It is highly recommended to select UM coverage in an amount that is right for you. This will protect you if you wind up in an accident caused by an uninsured or under-insured driver.
Not sure if you have Uninsured Motorist coverage? Take a good look at your policy. For detailed information regarding UM coverage, we recommend contacting your auto insurance provider.
Hurt in an accident in the Albuquerque, New Mexico area?
Consult with an auto accident attorney you can believe in.
Our auto accident attorney has helped hundreds of clients to recover fair compensation for their losses due to the recklessness of another driver. Give us a call today at (505) 247-2774 to speak directly with our owner/attorney, Rob M. Baskerville. Rob will answer your questions and provide you with guidance regarding your particular scenario.