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Since I work as a personal injury attorney, I always try to stay current with local news. Keeping current allows me to formulate high quality personal injury law related blog posts and articles. Uninsured or under-insured motor vehicle accidents occur routinely. Unfortunately these can be some of the most financially catastrophic types of car accidents. Serious complications can arise when an uninsured or under-insured driver is involved in an auto accident. A a practicing personal injury lawyer, this is an issue that is very dear to me. Working as a personal injury attorney, I routinely encounter these types of cases. The effects of an uninsured auto accident can be life-long. Personal Injury Lawyer Why Uninsured Motorist Coverage is So Important Since I am a personal injury lawyer, the following incident really does scare me. Imagine the following, real-life situation: A 20 something adult just scraping buy purchases a used vehicle for short change. Since they are in a tough financial position, they decide to purchase the least expensive insurance policy possible. Generally there is a good chance that this person is driving under-insured, with a policy that just does not carry enough dollars to pay for damages caused by a serious accident. Keep in mind that because this person purchased the least expensive insurance policy possible (with the least amount of financial coverage), they most likely have very little personal assets of their own. On the other hand you are covered by a very comprehensive and large insurance policy. You may very well have $500,000 or more in liability limits. That’s wonderful because that will insure you if you hit someone else. However consider if the under-insured young adult was to hit you? And what if the person that hits you is not carrying any insurance at all? In these types of cases, your personal injury lawyer will be praying that you have under-insured/uninsured motorist coverage. Here’s why: In these situations, if an uninsured motorist was to hit you-your own policy would pay. Problem is that for some reason, many insurance agents fail to recommend that their clients carry a sufficient amount of uninsured or under-insured motorist coverage. This puts them and their personal injury lawyer in a stick situation. Personal Injury Attorneys How They Handle Uninsured Motorist Cases Since you may not carry uninsured motorist coverage, your personal injury attorney must look elsewhere for money to cover your damages. Yet because you were hit by an uninsured or under-insured motorist, and because you do not have uninsured motorist coverage, there simply is no insurance policy available for your personal injury lawyer to sue against. Therefore your personal injury lawyer must pursue the assets of the person who hit you. However, since they have little or no insurance, you can bet that they do not have any significant assets. This leaves you and your personal injury attorney between a rock and hard place. There is simply no money available to cover your medical expenses and other damages. Personal Injury Law Unfortunate and Devastating Situations Uninsured motor vehicle accidents can be very, very sad. Personal injury lawyers will tell you that these accidents can cause serious injuries that can bankrupt an individual and/or an entire family. The best way to protect yourself from being involved in one of these sad situations is to purchase the most uninsured or under-insured motorist coverage you can afford. Fortunately uninsured motorist coverage is very affordable. As a personal injury lawyer, I highly recommend that you take a look at your current insurance policy. Do you have enough uninsured motorist coverage to pay for damages following an auto-accident? If you do not, then please take action and increase your coverage. It's the sad truth that you will never know when you need a personal injury attorney to help gather money to cover your expenses. These life altering events always occur when we least expect them to. For more information on how to find a good Rhode Island personal injury attorney, check out our website for more information.
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