Why Do You Need Uninsured Motorist Coverage?
As a Memphis car accident lawyer, I hear this question all the time: “Why do you need uninsured motorist coverage?” You need it because without it, you could lose everything.
Uninsured motorist coverage is a crucial part of your auto insurance policy and usually doesn’t cost very much to include. Tennessee law requires insurance companies offer uninsured motorist protection, but you can choose to waive it when you sign up for your policy.
Some of the low-cost insurance companies might encourage you to waive the coverage. They might tell you it saves money and isn’t worth it. And you might be tempted to make your insurance payment as low as possible. But the relatively low cost of uninsured motorist coverage could save you from financial devastation down the road.
Here are a few times this part of your policy could save you a tremendous amount of money and be well worth the investment:
When You’re in an Accident with an Uninsured Driver
If you’re in a serious accident with an uninsured motorist or someone who has a bad policy, uninsured motorist coverage may help cover the damages. Without it, you could be on the hook for the medical and repair costs, even if the accident wasn’t your fault.
If you’re in this difficult situation, our Memphis car accident attorneys can help you figure out your options. But why not avoid the frustrations completely if possible by making sure you have adequate uninsured motorist protection?
When You’ve Been the Victim of a Hit-and-Run
In Tennessee, uninsured motorist protection can help cover the costs from a hit-and-run. If you can prove that you were the victim of such a crime, the policy will likely cover the resulting costs. And that includes everything from small repairs to massive medical debts.
To Pay for Damages from the Car Accident Not Covered Elsewhere
If you’re in a serious accident with an uninsured driver, your regular car insurance or medical insurance may not cover everything. You need money for the pain and suffering, loss of income, high deductibles, and other increased costs that come as a result of the accident.
Uninsured motorist coverage can help cover those costs when your regular policy does not.
Contact a Memphis Car Accident Lawyer
Our attorneys work specifically on uninsured motorist car accidents to help victims obtain compensation for their injuries.
If you’ve been injured in a car accident in Memphis, contact us today online or call (901) 327-1212. We’ll discuss your situation, free of charge.