Most state laws require drivers to carry car insurance. However, many drivers do not have insurance or carry insufficient insurance to cover personal injuries in the event of an accident. Uninsured and underinsured motorist coverage protects insured parties when they are injured by another driver who does not have insurance or whose insurance is insufficient to cover cost of any injuries. If you've been injured in a car accident, contact an insurance law attorney today to discuss how uninsured or underinsured motorists coverage can help pay for your injuries.
Legal Information About Insurance Defense
Successful defense of insurance claims requires a diverse set of skills.
At Trullinger & Wenk, PLLC, our insurance defense practice is based on discipline and our knowledge of the law. We have the ability to quickly grasp the essential elements of medical and technical issues in a case, and communicate them in negotiation, arbitration or in front of a jury.
Some information about the defense of insurance suits appears below. You probably have questions about your case. In a free consultation, a lawyer at our firm can review your case and discuss what we can do to defend your rights and interests.
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We serve clients in the West Valley and the Phoenix, Arizona, metropolitan area.
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In addition to representing insurance companies, Trullinger & Wenk, PLLC, defends medical professionals in cases involving alleged medical malpractice.
Our extensive experience and reasonable rates enable Trullinger & Wenk, PLLC to provide extraordinary value to insurance companies and insured people in insurance defense cases.
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 Trullinger & Wenk, PLLC in Goodyear, Arizona, 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 Trullinger & Wenk, PLLC in Goodyear, Arizona, can help you protect your rights and get the recovery you deserve.
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