Being injured in a motor vehicle accident is not only frightening; it can also leave a person facing physical, psychological and financial challenges. These challenges become even more daunting when the accident is caused by a driver who has too little insurance or no coverage at all – including hit-and-run drivers who are never located.
Uninsured motorist (UM) coverage provides an individual with protection, through his or her own insurance policy, when the at-fault driver lacks auto insurance, is underinsured or leaves the scene of the crash.
Our goal at Marasco & Nesselbush is to provide extraordinary legal care and get you the compensation you deserve. Contact us now to discuss your UM coverage case with an experienced Rhode Island car accident attorney for free.
Who Is an Uninsured or Underinsured Driver?
According to Rhode Island General Laws Title 27, Chapter 27-7, Section 27-7-2.1, an “underinsured motorist” falls under the category of an “uninsured motorist.”
While an uninsured motorist has zero auto liability insurance coverage, an underinsured motorist has auto liability insurance with coverage lower than the damages the injured party is entitled to recover by law. As the Insurance Information Institute reports Rhode Island has one of the highest percentages of uninsured drivers (17 percent). This makes having Uninsured Motorist protection critically important for Rhode Island drivers..
Uninsured Motorist Accident Coverage in Rhode Island
All drivers in Rhode Island are required by law to carry auto liability insurance coverage. The minimum liability coverage a driver must carry is $25,000 per person and $50,000 per accident for bodily injury, and $25,000 per accident for property damage. Insurance companies are also required to offer uninsured motorist coverage in an amount equal to the insured individual’s liability limits, but policy owners do have the option of rejecting UM coverage or selecting a lesser amount of coverage.
Uninsured and underinsured motorist coverage is recommended, as minimum liability coverage is not generally enough to cover the total losses sustained in a serious car accident. Purchasing uninsured motorist coverage will help protect you if you are injured by an uninsured motorist, an underinsured motorist or a hit-and-run driver.
Pursuing Justice and Obtaining Extraordinary Legal Results For Hit and Run Victims
Dealing with insurance companies, particularly with regard to an uninsured driver accident, is uninsured motorist claim is never an easy task. Insurance companies frequently do everything within their power to wear claimants down in hopes that the individuals who pay for coverage will give up, agree to receive little or even no compensation, and move on.
At Marasco & Nesselbush, Rhode Island’s trusted personal injury law firm, our car accident lawyers are determined to fight aggressively so this does not happen to you. Our unwavering commitment to protecting our clients’ rights, and helping achieve maximum compensation, is only the beginning of what we have to offer. To learn more about how we can be of assistance to you, please fill out a contact form or call us at one of our office locations throughout Rhode Island today for a free consultation.
Insurance Information Institute: Uninsured Motorists: Top Ten Highest and Lowest States Based on Estimated Percentage of Uninsured Motorists, 2012 (1)