Being injured in a motor vehicle accident is not only frightening, but can also burden a person with physical, psychological, and financial challenges. These challenges are all the more daunting when a crash involves an uninsured or underinsured driver.
Uninsured motorist coverage provides an individual with protection through his or her own insurance policy in the event that a person who caused an accident or injury is uninsured or underinsured. Insurance companies are known for giving claimants the runaround, denying rightful claims, and seeking to settle for less than a person deserves. So, even when dealing with your own insurance carrier, it makes sense to seek the advice of a trusted Providence car accident attorney.
Who is an Uninsured or Underinsured Motorist?
According to the State of Rhode Island General Assembly, under Title 27, Chapter 27-7, Section 27-7-2.1, an “underinsured motorist” falls under the identification of an “uninsured motorist.” While an uninsured motorist has no auto liability insurance coverage at all, an underinsured motorist has auto liability insurance with coverage that is lower than the damages that an injured person is entitled to recover by law.
Uninsured Motorist Coverage
All motorists in Rhode Island are required by law to have automobile liability insurance. Uninsured/underinsured motorist coverage is optional, but recommended, coverage. Uninsured/underinsured motorist coverage provides a source of recovery for an insured person in the event they are injured by a driver or vehicle who either does not have auto insurance or has an insufficient amount of auto insurance coverage.
According to Rhode Island law, an insurance company is required to offer uninsured motorist coverage in an amount equal to the insured individual’s liability limits. However, the insured person has the option to reject uninsured motorist coverage, or to elect to have it for an amount lesser than the amount of liability coverage.
Pursuing Justice and Obtaining Substantial Compensation
Dealing with insurance companies, especially with regard to an accident involving an uninsured or underinsured driver, is never easy. Insurance companies frequently do everything in their power to wear claimants down in the hope that these individuals who pay for coverage will give up, receive little to no compensation, and move on. At Marasco & Nesselbush, Rhode Island’s trusted personal injury law firm, our RI injury lawyers won’t let this happen to you. Our unwavering commitment to protecting our clients’ rights, and helping them to obtain full and just compensation, is only the beginning of what we have to offer. To learn more about how we can be of assistance, please fill out a contact form or call 855-213-0404 today for a free consultation.