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Insured and Uninsured Motorists

auto insuranceCar accidents occur every day. Many states require that the person responsible for the accident compensate the injured person for damages. Unfortunately, many drivers do not carry sufficient liability insurance to cover those damages. Although it is against the law, other drivers choose not to carry any insurance.

Uninsured motorist claim

This is when uninsured and under-insured motorist coverage can help. When an at-fault driver carries no insurance or insufficient insurance, uninsured motorist coverage provides compensation to the victims. Individual drivers purchase uninsured motorist coverage from their own insurance company in addition to liability insurance. The type of uninsured motorist benefits varies depending upon the amount of insurance selected. Some states, including Rhode Island, allow for stacking of benefits. This occurs when a victim receives compensation from his or her own insurance company and receives some compensation from the insurance company of the at-fault driver. Under-insured motorist coverage provides a source of compensation to an injured party when the existing liability coverage of the at-fault driver does not fully cover damages.

Uninsured motorist claim attorneys

Many states, including Rhode Island, mandate insurance coverage for drivers. However, some drivers choose not to carry insurance. Insurance companies consider these drivers to be uninsured motorists. Some states define a hit and run driver who flees the scene without providing identifying information as an uninsured motorist. This allows the insurance companies to pay out claims on bodily injury. An under-insured motorist purchases the base minimum of coverage as mandated by law. However, the limits of that individual policy fail to pay for the total damage caused by an accident. For insurance purposes, insurance companies consider under-insured drivers to be uninsured drivers.

Bodily Injury insurance claims | uninsured motorist claim in Rhode Island

Uninsured motorist coverage pays for bodily injury losses to the injured driver and passengers when an accident occurs with an uninsured motorist. This type of additional coverage pays for medical expenses, lost wages, loss of earning capacity, pain and suffering, and other damages caused by the accident.

Frequently an uninsured driver has no employment, a low wage job, and no assets. Thus, no way exists to pay out claims for damage done in an accident. Uninsured motorist coverage provides for payment in those cases. If an uninsured motorist causes an accident with a driver who carries uninsured motorist coverage, that driver can pursue several options. He or she should contact a competent RI Personal Injury attorney that focuses on motor vehicle law. The driver can proceed with a claim against his or her own uninsured motorist coverage for damages, such as medical bills, lost wages, and pain and suffering.

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