There are a lot of questions about what these types of policies are and how they can help in the event of an accident. To answer, let’s run through the following scenario: You’ve been in a car accident that is not your fault. When a driver has no insurance, then having uninsured motorist coverage can provide protections that you would not have otherwise based on how insurance companies operate. Similarly, if the driver did not have enough coverage, having an underinsured motorist policy will allow for that difference in bill to coverage discrepancy according to your policy limits.
Without insurance (and sometimes with), an individual will have to get a personal injury lawyer and sue the driver for recovery. It’s a rather disappointing fact that insurance companies force people to buy these types of policies to begin with given how much money people pay into auto insurance every year, but that is the case.
Sometimes, even with these policy expansions, it becomes tedious and incredibly difficult to get insurance providers to act or supply you with the funds you need to pay your bills in a timely way. This is because insurance companies work for their stockholders, not you. The dragging of fee, the endless delays are all part of why so many people end up in attorney’s offices for assistance in either suing the driver or working with the insurance company to settle because the entire process is a headache.
As Sarasota personal injury attorneys who work with individuals who have been involved in auto accidents, we understand that this is incredibly frustrating for you and do our best to make the entire process as quick and painless as possible.