If you are planning on filing a claim with your insurance company make sure you are aware and familiar with the requirements of your insurance company and read the terms of your insurance contract. Failure to understand and comply with filing guidelines can result in an otherwise valid claim being denied. If you are facing a denied claim or believe you have followed your insurance company's claim filing guidelines and have not been compensated, contact an insurance law attorney today to discuss your case.
Insurance Analysis
The experienced attorneys at Golian McCaffrey LLC offer insurance analysis services for insurers and insureds. To speak with an attorney at our firm, call 614-360-2873.
Our attorneys will provide a four-corner review of your policy to determine the extent of your coverage and provide advice about appropriate steps to take.
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Call 614-360-2873 to contact an experienced insurance coverage analysis lawyer at Golian McCaffrey LLC. We are located in Columbus, Ohio.
If you are involved in an insurance dispute and need to know more about your legal rights and options, contact the experienced insurance law attorneys at Golian McCaffrey LLC.
Uninsured and Underinsured Motorist Coverage
If you drive a car, you need to purchase automobile insurance. In fact, in many states, car insurance is mandated by law. Regardless of your state's law, it is important to protect yourself, your loved ones, and other drivers by having insurance. However, some drivers do not have insurance or carry insurance that is insufficient to cover personal injuries in the event of an accident. Uninsured and underinsured motorist coverage comes into play in these situations. If you have questions about uninsured or underinsured motorist coverage, contact Golian McCaffrey LLC in Columbus, Ohio, to schedule a consultation with an attorney.
Uninsured and underinsured motorist coverage was created to address the problem of drivers with inadequate motor vehicle liability insurance and the subsequent concern of an individual to receive full compensation for a personal injury received in a car accident. Uninsured and underinsured coverage protect insured parties when they are injured by other drivers who do not have insurance or whose insurance is insufficient to cover the cost of the injuries.
Uninsured Motorist Coverage
Uninsured motorist coverage pays benefits to the insured individual for his or her personal injuries. However, these benefits are only paid when the insured party is legally entitled to recover benefits from the uninsured driver or when a driver is unknown, as in a hit and run accident. Usually, uninsured motorist coverage applies to the named insured individuals on the policy, members of the insured party's household, individuals insured while riding in the insured's vehicle, and individuals who suffer subsequent damages resulting from personal injuries sustained by the above mentioned individuals.
A majority of states provide uninsured motorist coverage by statute. Some states require all automobile insurers to require uninsured motorist coverage in their liability policies. Other states only require automobile insurers to offer uninsured motorist coverage to their insured customers as an option to include in their automobile insurance packages. In these states, the insured can refuse to carry uninsured motorist coverage to reduce the cost of premiums. Individuals who choose no to include uninsured motorist coverage as part of their automobile liability insurance typically must rely on their own health insurance to cover personal injuries that result from car accidents.
Underinsured Motorist Coverage
The purpose of underinsured motorist coverage is to indemnify the injured party in situations where the car insurance policy of the party at fault is insufficient to cover the injuries of the other party. For example, underinsured motorist coverage comes into play in situations where the at-fault party's insurance policy's coverage limits are lower than the automobile liability insurance or the underinsured motorist coverage of the insured injured party. Unlike uninsured motorist coverage, underinsured motorist coverage is typically not required by statute: however, automobile insurers are including this type of coverage in their liability policies more and more often for an increased premium cost.
Protect Yourself
Make sure your insurance policy coverage is adequate for you and your family's needs. Contact your insurance company to learn more about your automobile coverage. If you have been injured in an accident and the responsible party does not have insurance or carries inadequate insurance to compensate you for your injuries, the attorneys at Golian McCaffrey LLC in Columbus, Ohio, can help you protect your rights and get the recovery you deserve.
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