It may be time to add a UIM policy to your car insurance

Imagine driving to work along the same route through Baton Rouge you always take, when suddenly, out of nowhere, another car runs a stop sign and plows right into your driver's side door. You suffered a broken arm and several other injuries, so you allowed the ambulance to take you to the hospital for treatment.

A few days later, the hospital released you and you found out that the driver that had hit you did not have enough insurance to cover the accident.

Now you have to worry about how you will pay for almost $100,000 of medical expenses. You hope that your insurance will cover it, but what if it does not pay for all the costs? It will be difficult enough managing to cover your deductible and any additional expenses will be almost impossible.

Fortunately, you already have underinsured motorist insurance in case this kind of thing ever happened. If you do not have an underinsured motorist policy, it may be time to consider purchasing one before the above situation becomes reality. Read further to find out more about how underinsured motorist insurance can benefit you.

Underinsured does not equal uninsured

In general, an underinsured policy is for situations where you are involved in a car accident where the other driver does not have enough insure to cover your medical expenses and the damages to your car. Typically, underinsured insurance is part of a three-part package that includes policy coverage for uninsured motorists, underinsured motorists, and uninsured motorist property damage. Talk to your insurer to find out what type of packages are available to you.

Underinsured drivers

If you have an accident with an underinsured driver and you do not have an underinsured policy in place, you can attempt to file a lawsuit for the remaining damages that his or her insurance did not cover. However, if the other driver does not have sufficient assets, winning the lawsuit will not necessarily get you the compensation you need.

An underinsured policy will help you recoup the losses you suffered due to the accident, especially when the other driver cannot pay. However, it is important to remember that your underinsured policy must have greater limits than the at-fault driver's liability insurance.

Before you have an accident with a negligent driver, it is important to remember that not all drivers carry insurance or they carry only the minimum coverage. Depending on the severity of your injuries, event minimum car insurance may not be enough to cover your losses. In cases like this, you can rely on your underinsured policy or file a claim in a Louisiana court.

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McGlynn, Glisson & Mouton
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Baton Rouge, LA 70801

Phone: 225-250-1751
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