Mississippi Uninsured / Underinsured Motorist Insurance Coverage
If you have been in injured in a serious car accident, you and your family must deal with a number of important issues, including lost work time, recuperation time and expenses for the doctor, hospital and ambulance. If the driver who hit you does not carry automobile insurance, or does not carry enough insurance to pay for your losses, you may be able to make a claim on your own insurance policy if you carry uninsured / underinsured motorist coverage.
For a free initial consultation about your car accident, contact skilled personal injury attorney James K. Wetzel in Gulfport, Mississippi. We have been in practice for 32 years, and have a track record of success in winning compensation for victims of car and truck accidents.
Why Every Motorist Should Carry This Coverage
Uninsured / underinsured motorist coverage is very reasonable, and protects you against the negligence of another driver who does carries no or only minimal insurance coverage. In order to make a claim on your own policy, the driver of the other car or truck must be found at fault. The vehicles involved must have made physical contact. If we can prove fault, then we can help you make claims for personal injury and property damage from your uninsured / underinsured motorist coverage.
Uninsured Motorist claim: Often involves a driver who had insurance, but let it lapse. In order to make an uninsured motorist claim, your insurance company will require that the uninsured driver sign a document verifying that he or she has no insurance coverage. Then you can make a claim against your policy.
Underinsured Motorist claim: If the motorist who hit you has only minimal coverage, his or her insurance company would cover you up to the dollar limits of that insurance policy. Then you can make a claim against your own coverage for the balance of the claim.
A Seasoned Advocate
It is difficult for consumers to pursue compensation from insurance companies on their own. The laws are constantly changing, and insurance companies often put their own interests first, over the concerns of their policyholders. Many claims adjusters prefer to settle quickly, and for less than you may need. Personal injury lawyer James K. Wetzel has ample experience dealing with insurance companies, and knows how to protect clients' interests while negotiating a fair settlement.
Protecting Yourself and Your Family
Uninsured / underinsured motorist coverage can be a lifesaver when an accident occurs. In order to make an uninsured / underinsured motorist claim, you must purchase this coverage before an accident. We are happy to review your insurance coverage with you at no cost. For a free consultation about your insurance coverages or a personal injury claim, contact the law office of James K. Wetzel & Associates, P.A. in Gulfport, Mississippi.