Uninsured and Underinsured Motorist Coverage in Delaware
Many people start feeling overwhelmed when they find themselves in a car accident with an uninsured driver. Learning about how uninsured and underinsured motorist coverage works in Delaware may give you reassurance about your options for compensation. Talk to an experienced Wilmington car accident attorney to learn more about how this works and what your legal options are.
DELAWARE UNINSURED MOTORIST COVERAGE
The way Delaware uninsured motorist coverage works is by offering coverage to drivers who were in a car accident with an uninsured driver. This uninsured motorist coverage can be used to compensate the insured driver for damages caused by the uninsured driver. Compensation can be used to cover various damages and car accident expenses like:
- Property damages
- Personal injuries
- Wrongful death
Many uninsured insurance policies offer the option to obtain additional coverage for personal injuries and deaths caused by the accident. This may require acquiring underinsured bodily injury liability coverage in addition to uninsured motorist coverage. Consider contacting your auto insurance company to figure out what your insurance policy has to offer.
One of the most important things to know when you are unable to obtain the identity of the uninsured driver is what steps to take. You have up to 30 days after the accident to report this to your auto insurance company if you wish to take legal action. Consider contacting a Wilmington accident lawyer to figure out what legal steps you may have to take.
These situations can become more complicated when dealing with a hit-and-run car accident with an uninsured or underinsured driver. Call the police to file a report as soon as possible to preserve evidence and key information. A lawyer can work with you to figure out your legal options for financial compensation.
WHAT IS UNDERINSURED COVERAGE?
In some cases, you may have an accident with a driver who does have insurance but not enough insurance to cover your damages. This is when underinsured motorist coverage can help. Underinsured motorist coverage can be purchased in the form of bodily injury coverage or property damage coverage.
What underinsured motorist coverage does is cover your medical expenses and vehicle damage costs when the driver who hit you cannot afford this. This is common with car accidents involving drivers with minimal auto insurance coverage. Underinsured motorist coverage pays for additional car accident damages that the other driver’s auto insurance policy was not able to pay for.
Different states and auto insurance policies have different limits on how much compensation you can be offered. Try contacting a Wilmington car accident lawyer to start exploring your legal options for car accident compensation. An experienced lawyer can help you take steps to maximize your compensation. You do not have to settle for less.
CALL EDELSTEIN MARTIN & NELSON TODAY
Do not panic if you find yourself in a car accident with an uninsured or underinsured driver. Contact Edelstein Martin & Nelson today at (302) 504-4815 to talk to a Delaware accident lawyer for a free consultation about your car accident claim. Our legal team might be able to help you obtain significant compensation for lost income, pain and suffering, and medical costs. We serve clients in Wilmington, DE.