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Uninsured Motorists

What Are Your Injuries Worth?

If you have been injured in a motor vehicle accident, you have reason to be concerned about money. Medical bills from an injury can mount up very quickly and even a short period of inability to work can cause real financial problems for you and your family.

It is impossible to predict in advance exactly how much you may recover for your injuries. There are many factors that affect the value of an injury and it can take time for these to become clear. For example, the amount you receive will vary depending upon how severely you were injured, whether you are working and what type of job you have, if your injuries are permanent, if you are married or have dependent children, and numerous other factors. An exact prediction is impossible, but an attorney experienced in handling motor vehicle accident claims can give you some idea of what you might be entitled to recover.

Your Policy Limits

The amount you may recover for injuries caused by an uninsured motorist is limited by the amount of uninsured motorist insurance coverage you have. This coverage will be no less than the minimum amount of liability coverage required by the law in your state. For most drivers, the limits of their uninsured coverage are the same as the policy limits they have purchased for their own liability coverage. Some states' insurance laws require the same limits for uninsured and liability coverage.

Your Allowed Recovery

A claim under your uninsured motorist coverage is much the same as a claim you would make in any other motor vehicle accident. The insurer that provides your uninsured motorist coverage will defend against your claim, just as if your claim were against the other driver's insurer, except that your uninsured motorist coverage does not provide liability coverage for the uninsured driver. Your insurer may go after the uninsured driver for amounts it pays to you under your uninsured motorist policy.

The amounts you receive for your uninsured motorist claim may include compensation for the following:

  • Medical bills
  • Lost wages
  • Pain and suffering
  • Future medical expenses
  • Probable loss of wages in the future
  • Loss of relationship with your spouse
  • Other out-of-pocket expenses due to your injuries

It is up to you to prove what expenses you have incurred or will incur in the future.

You may recover for the same things under your uninsured coverage as you would against another driver's liability coverage, except that uninsured motorist coverage does not typically include coverage for property damage.

Conclusion

Your uninsured motorist coverage may provide you with compensation for a wide array of injuries. An attorney who is knowledgeable in the law of motor vehicle insurance can give you an informed opinion regarding what compensation you may receive for your particular injuries.

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