Underinsured Motorist Coverage – In WV
What is Underinsured Motorist Coverage?
Underinsured motorist coverage is designed to cover expenses if you get into an accident with someone whose insurance policy limit is too low to cover the expenses. Underinsured insurance coverage is not the same as uninsured motorist coverage. Uninsured motorist coverage will cover the cost of the accident if you get into an accident with someone who does not have any insurance.
Here is an example of how underinsured motorist coverage works. If you were involved in an accident that cost $30,000 and the other person’s policy only covered $25,000, your underinsured motorist coverage will pay the remaining $5,000.
You may not realize that the person is underinsured until the cost of the damage has been totaled. It can take time to determine how much the accident will cost. The type of medical treatment that you may need, your lost wages and how much work you miss will determine the cost of your accident.
If you or a loved one have been injured in an accident it is important to contact a Charleston WV personal injury attorney. Get professional help. A skilled attorney can help you navigate the complicated legal issues and get you the help you need.
Underinsured Motorist Coverage Laws
West Virginia requires that drivers have at least $25,000 per person and $50,000 per accident in uninsured motorist coverage. West Virginia does not require that you carry underinsured motorist coverage, but it is strongly recommended. The best thing that you can do to ensure that you will be properly covered if you get into an accident is to purchase both underinsured and uninsured motorist coverage.
If you are properly covered, then you will likely be able to receive the compensation that you deserve. Many people who do not have underinsured or uninsured motorist coverage are not able to get any compensation after an accident.
No matter the type of accident it is always a good idea to contact an attorney. If you or a loved one have been injured, you need professional help. A Charleston WV personal injury lawyer will help you get maximum compensation.