Why You Need Uninsured Motorist Insurance Coverage

Posted by John Harris on Sun, Oct 10, 2010 @ 12:07 PM

A hit and run accident is a good example of why you need unisured motorist coverage. This example occured in Caroline County when a tow truck driver save the life of a young woman. He was injured and the young woman suffered a shattered left elbow and a compound fracture of her radius, a bone of the forearm.

An Example of Why You Need Uninsured Motorist Insurance Coverage

A car was broken down on the shoulder of I-95 near Fredericksburg in Caroline County. A tow truck was called to the scene. The broken down car was being loaded. A dark blue Volkswagen sedan was headed straight for them. The quick thinking, quick acting tow truck driver suddenly pushed Robyn Silcox out of harms way. Because of his heroic action, Robyn Silcox was not killed. She was struck by the Volkswagen’s mirror. The impact broke her forearm causing the bone to stick though her skin. The impact also shattered her left elbow. The tow truck driver was also injured. The Volkswagen driver never stopped.

This, or something like this, could happen to you. That’s why you need the protection of the UM (uninsured motorist) portion of your insurance policy. When there is a hit and run accident, the law presumes that the hit and run driver is uninsured. This causes the UM portion of your auto insurance policy to kick in. Your insurance company then acts as if it is the wrong doer’s policy. Your insurance policy defends the hit and run driver and pays any judgment against him. After it pays you for your claim, it then is allowed to try to get its money back from the wrong doer if they can find him. This much better than you trying to find him and collect from him. And, no, it will not raise your premium because you did not cause the accident and your UM insurance company is something you have already bought and paid for.

I am sure you would not try to put a cast on your own broken arm or leg. I am also sure it would be a good idea to discuss any auto accident with an attorney before you sign any papers or talk to an adjuster. If you would like a FREE copy of THE SMART CONSUMER’S GUIDE TO YOUR PERSONAL INJURY CASE, call 1-800-3-BOOK-45 (1-800-326-6545). You will not have to talk to anyone, just leave your name, address on the answering machine.

Topics: Car Accident Injuries & Deaths