Uninsured Motorist Coverage – Are You Covered???
You are sitting at a stop light and bam, you are hit from behind. You find out from the police that the person that hit you doesn’t have car insurance. What coverage do you have on your car insurance policy?
Do you have Uninsured Motorist Coverage
If you do not have uninsured motorist coverage (UM) then there isn’t much you can do. In the State of Mississippi Uninsured Motorist comes with liability insurance. However, some insurance companies will get you to sign a waiver which will let you opt out of Uninsured Motorist so your premium is cheaper. More often than not you are only saving a few bucks a month. Now here you are, hit by an uninsured motorist, and all the property damage and doctor bills are left for you to pay out of pocket. If you are not sure if you have UM coverage, read your insurance policy.
But why can’t I just sue the person who hit me you may ask?
Yes, that is an option, but if someone is driving around with no insurance then they probably don’t have any money to get from them even if you do obtain a judgment against them. In the legal world, we call these people “Judgment Proof.” All that you have done is spent 100’s-1,000’s of dollars in Attorney fees to get a piece of paper that means nothing if they can’t pay anyway.
Our advice is to contact your insurance agent NOW and see what coverage you have. The small amount you will save by waiving UM coverage is not worth the risk of being hit by an Uninsured driver.
Uninsured Motorist Coverage Lawyer
If you are hurt in a car wreck by an Uninsured driver, and you have UM coverage, you need to speak to one of our Uninsured Motorist Lawyers at