Underinsured And Uninsured Drivers: A Widespread Problem

Insurance can be costly for drivers considered at risk, particularly those with a less than perfect driving record and those freshly behind the wheel. To cut costs, many drivers only carry the minimum required liability coverage, leaving drivers with not enough or no insurance at all.

Carrying uninsured motorist (UM) or underinsured motorist (UIM) coverage can protect you against these drivers. However, it is notoriously difficult to recover compensation from a UM or UIM policy without legal representation. The Law Firm of Laub & Laub fights to make sure your insurance company honors your policy. Our lawyers represent clients in Reno and South Lake Tahoe.

Traveling Our Roads

In Nevada, an estimated 10 percent of drivers do not have insurance; in California, an estimated 15 percent of drivers are uninsured. Both states require liability coverage, but reckless drivers ignore the legal obligation and illegally travel the roads each day.

If you are involved in a car accident with one of these drivers, having UM/UIM coverage can help you recover compensation. While not mandatory, UM/UIM coverage can help with incurred accident expenses. For instance, if a distracted driver hits you and you only have liability coverage, any resulting costs for medical bills or vehicle repairs must come out of your own pocket.

Helping You Recover What You Are Owed

In the event you were injured by an underinsured or uninsured driver and you had UM/UIM coverage, you may seek compensation from your own insurance policy. Despite happily collecting your premiums each month, insurance companies are slow to payout and quick to deny claims. If a dispute arises between you and your insurance company, having an attorney on your side can help expedite the recovery process.

A little foresight can go a long way toward protecting you and your loved ones from uninsured and underinsured drivers. Protect your own interests by having the policy and let us protect you further by making sure your insurance company pays what they owe. To schedule a free consultation, please call 775-391-4153 or reach out by email.