How to protect yourself from Uninsured or Underinsured drivers
If you are hit by an uninsured or underinsured driver, you may not be able to be fully paid for your injuries. An uninsured driver is a driver with no insurance coverage at all. An underinsured driver is one with some coverage, but not enough to cover the damage caused by the traffic accident. In Indiana, being hit by uninsured or underinsured driver normally means that there is no or not enough money to fully compensate you for a serious injury.
To prevent this from happening to you, you should carry uninsured/underinsured motorist insurance that provides coverage for a claim against an uninsured or underinsured driver. Uninsured/underinsured motorist coverage pays you for your damages up to the uninsured/ underinsured policy limits. Therefore, you should purchase as much uninsured/underinsured coverage that you can afford. An umbrella policy for additional protection is also recommended.
If you have been seriously injured in an auto accident, you will not be able to effectively negotiate against a trained and experienced insurance adjuster. Hiring a personal injury attorney to handle your claim for you shows the insurance company that you intend to be fully compensated for your injuries. In most circumstances, hiring a lawyer is the smartest choice you can make to protect yourself, your family and your future.
If you find yourself having been seriously injured in an accident, you should immediately hire a personal injury lawyer that you can trust such as Steven Knecht to help you fight the insurance company because you have a lot at stake on the outcome.