How to Decide Whether You Need Uninsured Motorist Coverage


In the United States, all drivers are required to have car insurance. Each state has different rules regarding the minimum amount of coverage that is required for drivers, and policies and coverage also differ based on your status of car ownership. If you are leasing your car, you will be required to purchase a minimum amount of coverage on the car itself to cover property damages in addition to coverage for bodily harm to yourself or others.

Monthly payments for car insurance can be a big expense, and for this reason, it’s not uncommon to find uninsured drivers. You may think that you have enough coverage with your current insurance policy, but what happens if you find yourself in an auto accident with an uninsured driver?

Even if you are not the at-fault driver, if you get into a car accident with an uninsured motorist, or are a victim of a hit and run accident, you will wind up being responsible for the costs that your insurance company doesn’t cover. Oftentimes, in order to have lower monthly payments on car insurance, policyholders whose cars are paid off will choose to only cover damages done to other people’s vehicles, and choose lower coverage rates for bodily injury.

We do this in the hopes that in the case of an accident, the other driver will also be insured, and together both the insurance companies will pay the claims fully. This is why it’s important to talk to your car insurance company about uninsured motorist coverage because people driving uninsured is a lot more common than you may think.

Why Should you talk to a Personal Injury Attorney?

If you were unaware of the necessity for uninsured motorist coverage and you find yourself in an auto accident where the negligent driver is uninsured, you will likely be stuck paying all of your own medical bills and property damage costs out of pocket. Insurance companies are for-profit and they try to only pay the bare minimum for claims. In this situation, it’s wise to seek legal advice from an experienced attorney that specializes in personal injury lawsuits and uninsured motorist claims. Even with uninsured motorist (UIM) coverage, you may still receive pushback from your insurance company when making a UIM claim.

Paul Wilkinson Law Firm, LLC. can match you with an uninsured motorist attorney with extensive knowledge of policy limits and state law on motorist coverage. Before Paul Wilkinson was a personal injury attorney, he worked at an insurance company for years, so as an auto accident victim facing large medical expenses, you can know you have an experienced attorney that knows the ins-and-outs of the claims process.

Paul Wilkinson and his team of experienced personal injury attorneys will fight against the insurance companies to get you the best possible settlement. Whether the negligent driver’s policy limits make the coverage insufficient for the damages, or they aren’t insured at all, their uninsured motorist attorneys know that the outcome of the lawsuit directly affects your health and wellbeing. This is why they offer accident victims a free consultation, and they don’t collect any payment unless your case is won.

An Uninsured Motorist Totaled your Car. Now What?

If you are leasing a car or paying off a car that you’ve bought, you are typically required to purchase property damage liability insurance that would allow for a lease buyout or pay off the remainder of what you owe on the vehicle.

If you are looking to buy or lease a new vehicle following an accident, you want to get the best possible rates on your new auto loan. can help you find the car finance rates that work best for you. Their website includes an auto loan calculator self-help tool that helps you find the right financing offer by letting you pick what you need. They even compare their most popular auto financing options by interest rates, monthly payments, and loan terms so you can find the best offer on a new car loan with just one click. Their site also includes other resources for informational purposes.

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Hi I'm James George, the founder of Mind My Business NYC and author of this blog. I am an entrepreneur and internet marketer. My wish is that this website helps you to grow your business and achieve your goals.


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