One coverage on your automobile insurance policy which is frequently declined is uninsured or underinsured mtorist coverge. Often this coverage does not add much expense to your automobile insurance policy and yet it is frequently declined. My impression is that this coverage is declined because many people either do not know what this coverage really is or they undervalue it importance.
Quite simply, uninsured and underinsured coverage is needed when you are injured and the other party either has no coverage or their coverage (as is often the case) is a minimum limit poicy. What happens when your medical bills are $15,000 and the driver who caused the accident's policy only covers you for the minimum limits of $15,000. Often you will not be able to recover any money or your pain, suffering and lost wages uness you have uninsured or underinsured motorist coverage. If you have adequate coverage under this provision of your policy then you can and will be compensated for pain,suffering and lost wages. Please do not make the mistake of believing just because you have comprehensive coverage as meanng you have uninsured an underinsured motorist coverage. You may not. I will blog about what "compehensive" coverage means in the future.
If the driver who hit you has no insurance or is underinsured, you may be able to pursue a claim with your own insurance company. Although the insurance company may have an obligation to pay benefits, the process is often difficult, and claims are frequently underpaid, delayed, or wrongfully denied. Please call me at 504.841.0014 or email me at Brandon@venegas-law.com for a free consultation.