Receiving fair compensation after a wreck is rarely a straightforward process. There are several factors that can complicate the matter - for example, if the at-fault driver does not have auto insurance, or if his or her policy will not cover all of your losses.
If you were in a collision that a negligent driver caused, a Mississippi car accident lawyer at Richard Schwartz & Associates, P.A. may be able to help. We can evaluate your case and determine if you have valid grounds for a lawsuit. Call us today at (601) 869-0696 to schedule a consultation.
In the meantime, here are four benefits of purchasing uninsured motorist coverage:
- Peace of Mind
According to the Insurance Information Institute, 12.6 percent of motorists were uninsured in 2012. Carrying uninsured motorist coverage can protect drivers in the event that they are involved in an accident with someone who does not have insurance.
There are several ways that a negligent driver can cause a collision - from texting behind the wheel to breaking traffic laws. Unfortunately, nobody can control the actions of reckless motorists, and as a result, purchasing uninsured motorist coverage can give you peace of mind that you will have financial security if the worst happens.
- Financial Protection
The expenses associated with car accidents can escalate quickly. If the other driver is uninsured, then it is important to find a way to recover health-care expenses, car repair costs and other losses without going into debt.
In Mississippi, car accident victims can file a claim with the insurer of the at-fault driver, or file a personal injury lawsuit in civil court against the driver. However, if the at-fault driver has no money - which is often the case for uninsured motorists - then drivers with uninsured motorist coverage can file a claim with their own insurance company.
- Less Emotional Stress after an Accident
The emotional and physical effects of a car accident are stressful enough without dealing with a financial meltdown. Uninsured motorist coverage simplifies the process by providing victims with the money they need to take care of damages so they can concentrate on their personal recovery.
Insurance companies in Mississippi must provide uninsured/underinsured motorist coverage with each policy they issue under state law. The only situation in which it does not need to be included is if the customer waives the coverage in writing.
If you were in an automobile accident with an uninsured driver, then contact Richard Schwartz & Associates, P.A. We would be happy to explain your options and help you navigate the legal system.
Call us today at (601) 869-0696 to get started.