If you are in a wreck with an uninsured motorist, it may leave you wondering who will pay for the damages. Now most states require auto insurance, but what happens if they don’t have it? Nationally, 12.6% of car owners don’t have car insurance and in Mississippi over 29% of car owners don’t have car insurance which is the highest in the country. This number increased over 5% from the previous year.
While this large amount of drivers on the road without car insurance is alarming, this is where having uninsured motorist coverage comes in handy. In states like Mississippi, UM/UIM coverage comes with every car insurance policy automatically. Most people don’t even realize they have the coverage because it wasn’t discussed with the agent since it legally was automatically added to the policy.
How does Uninsured Motorist coverage work?
If you are involved in a wreck with someone who doesn’t have car insurance your own uninsured motorist coverage will typically kick in to help cover the damages. Some people are Leary of making a claim on their own policy. They want to have a “clean” record. In our experience a UM claim is someone else’s fault, not yours. Your rates will not go up for making the claim.
What to do After a Wreck
The best thing to do if you are involved in a wreck is to call the police, get a police report, take pictures and take not of witnesses, then seek medical treatment and call an experienced car accident attorney. Allowing an experienced car wreck attorney handle your case will give you the best odds of recovering compensation for your injuries.
At Chhabra & Gibbs P.A. our dedicated team of personal injury lawyers have over 130 years of combined experience dealing with all kinds of wrecks from car wrecks and 18-wheeler wrecks to motorcycle accident and bicycle wrecks.
Our legal team is standing by 24/7 to discuss your case. Contact us for a FREE no obligation consultation. Give us a call at 601-948-8005 and let us get the maximum compensation that you deserve. More personal injury news can be found at msinjurylaw.com.