Uninsured motorist coverage can help if you were injured by another driver who doesn’t have insurance. For help exercising or understanding your rights when filing a car insurance claim, contact auto accident attorneys in Des Moines.
You might be surprised how many motorists fail to carry auto insurance. According to the Insurance Information Institute, the state of Iowa ranks number 24 when it comes to uninsured drivers. About 11.5 percent weren’t insured in the year 2009.
How Uninsured Motorist Coverage Can Help
If you have uninsured motorist coverage and you are injured by another driver who fails to carry any, your medical costs and other damages may be covered in your car insurance claim. If there were passengers in your vehicle that also suffered injuries, they are protected as well.
Although this type of coverage isn’t required in Iowa, it’s definitely recommended. Not only because of the protection it provides when involved in an accident with an uninsured motorist, but it also covers injuries in a hit and run.
The good news is that it’s fairly inexpensive. The more coverage you have, the better protected you will be. Keep in mind that damages for a car insurance claim will be covered up to the limits of your policy. The most common amounts that consumers purchase in coverage are $100,000 for one person and $300,000 per accident.
Contacting Auto Accident Attorneys in Des Moines
Most people wonder what can be done when another driver doesn’t carry insurance and injuries result from his or her negligence. Contact an attorney at Walker, Billingsley & Bair. We can explore the legal options that may be available in addition to using uninsured motorist coverage.