There are limits of insurance that cover the person who caused the injury or accident. When you’re in a car accident, you have insurance limits that you carry under your own policy to protect you in case that person is either under insured or uninsured.
A lot of insurance agents will explain this to their clients, but many won’t. Especially in this day and age of buying insurance online and getting the cheapest quote, what you don’t understand is that there are little riders. You could pick to choose whether or not you want rental coverage, how big your deductible is, how much you carry in no-fault limits, and you also choose what you are uninsured/under insured limits are to protect yourself.
That’s critically important because if you’re struck by somebody who leaves the scene, by somebody who has no insurance, or someone who has minimal insurance limits, you can still get a very important and significant recovery if you protect yourself through the purchase of supplemental uninsured/under insured motorist benefits. People who price these limits out are often surprised at how cheap they are in comparison to any of the other coverage they’ve already purchased.
This blog was provided by Richard Nicotra, one of our experienced Buffalo NY Car Accident Attorneys. If you have questions about an injury case, please contact our office for dedicated representation. We offer free consultations and would be happy to answer any questions you have.