This coverage applies when are hit by a driver whose vehicle is not covered by an insurance policy. When this happens, we can proceed with a claim against your own insurer as it provides for coverage in that event - you paid for it. You need to make sure your limits for this coverage are high enough to truly protect you and your passengers. We suggest at least $250,000 per person / $500,000 per person in coverage limits. Call your agent to confirm your coverage and you can increase your limits at any time (for future events only).If you need surgery, you have a serious matter that requires, in our opinion, that you seek legal counsel. Typically, your auto insurance rates will not go up if you are not at fault for the crash.If you are injured because of another driver’s negligence (“at-fault”), the value of your claim depends on your damages, including medical expenses, lost income, pain and suffering and permanency and disfigurement.
If you are injured, you should go to the hospital to be examined and checked out. Then, contact us to review your matter.
Yes. Reporting your accident to your insurance company is simply notifying your insurance company or agent that an accident occurred. You want to report your accident as soon as possible after it occurs. Yes. Injured victims of car accidents should always seek evaluation by a qualified doctor after a collision.