This video explains the importance of uninsured motorist coverage in accidents involving drivers without insurance. It highlights how coverage can extend through family members' policies. Additionally, it emphasizes the complexities of insurance cases and the necessity of notifying your insurer about any offers from the at-fault driver.
Uninsured motorist coverage protects you in case of an accident with a driver who has no insurance or insufficient insurance. It can help cover your medical expenses and damages.
Yes, if you live with your grandparents, their uninsured motorist coverage may apply to you in the event of an accident.
If the at-fault driver offers you money, you must notify your uninsured motorist carrier within 30 days. They can choose to accept the offer or keep pursuing the case.
Uninsured motorist coverage provides coverage when there's an accident with a driver who either doesn't have insurance coverage or doesn't have enough insurance coverage. And we really have to look to find all of the uninsured motorist coverage that's available. If a adult child moves in with their grandparents, their grandparents' coverage comes into play. So if you have an uninsured motorist, the child, the 18-year-old doesn't have any coverage at all, his grandparents' coverage will come into play. And if they have a motorcycle or a motor home, then that coverage can come into play. But if you sign a release that releases the person who caused the accident, then you can't have the uninsured motorist coverage. You've released them. We've seen other lawyers allow that. You can't let that happen. Other cases happen when the person who caused the accident offers their money. You have to give your uninsured motorist carrier 30 days notice to accept or reject that offer. They can give you the money and keep the other person in the case if they choose to do so, and they have that right. You have to honor those rights. So these cases are complicated insurance cases. They have to do with insurance contracts. We do them every day. If you have an uninsured motorist case, we'd like to help you with it.
