Uninsured Motorist Coverage is Important in 2020

Uninsured Motorist Coverage is Important in 2020

Suffice it to say that 2020 has been one for the record books. The coronavirus pandemic has upended life as we know it and caused disruptions in nearly every aspect of our lives. Many people are suffering financially and have forgone paying non-essential bills – which for many, may be their car insurance premiums. When drivers stop paying their premiums, their policies can lapse – putting others at serious financial risk.

If you are involved in an accident caused by an uninsured motorist, there is a good chance that you will have trouble getting your accident-related losses paid for.  Typically, if you are in a crash that was someone else’s fault, you make a claim on their insurance policy.  If they don’t have one, you will need to pursue compensation from the driver personally, and many drivers simply do not have the money to cover the often thousands of dollars of losses victims incur in car accidents.

Fortunately, you can protect yourself from uninsured drivers by purchasing uninsured or underinsured motorist (UM/UIM) coverage from your car insurance company. This type of insurance kicks in to cover accident-related damages in the event that they are caused by an uninsured or underinsured driver. Some examples of the kinds of losses that UM/UIM coverage can pay for include:

  • Medical expenses
  • Lost income
  • Pain and suffering

To learn more about UM/UIM coverage or for help with an existing claim, call us today.

Contact a Car Accident Lawyer in Campbell, California

If you have been hurt in an accident caused by an uninsured or underinsured driver, you might have a stressful process ahead of you, but a Campbell car accident attorney from Schaar & Silva, LLP, is here to help. Call 408.721.1111 or contact us online today to schedule a free case evaluation.