What is Uninsured and Underinsured Motorist Coverage?

What is Uninsured and Underinsured Motorist Coverage?

If you have been in a motor vehicle crash, a question you may have is, “What happens if the person that hit me has no insurance or not enough insurance to cover my injuries?”

Uninsured Motorist Coverage protects you and your family in the event that you are involved in a motor vehicle crash with a person that has no insurance coverage – a uninsured motorist. This coverage helps to pay your bills after a motor vehicle crash if the person at-fault does not have insurance to cover the damages to you which could include medical expenses, lost wages, emotional distress and pain and suffering.

Underinsured Motorist Coverage protects you and your family in the event that you are in a motor vehicle crash and the at-fault driver has low liability limits that are insufficient to cover your damages.

In West Virginia, you are required to carry at least $20,000 in Uninsured Motorist Coverage. However, Underinsured Motorist Coverage is optional in West Virginia.

The experienced attorneys at Preston & Salango, PLLC will examine all coverage available to compensate you for your injuries. Contact Preston & Salango, PLLC for a free consultation. There are no legal fees unless you recover money for your claim.

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