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Everyone has car insurance, right? So if another driver causes a wreck on the beltway and you're injured, the insurance company of the driver who caused the accident will pay, right?
Depends. What if you or your family is in a serious car or truck accident and the other driver, who caused the accident doesn't have automobile liability insurance or has the minimum policy limits, say $25,000/$50,000. That means his policy will pay a maximum of $25,000 to any 1 person, or $50,000 for the whole accident if more than 1 person was injured - no matter how many people were hurt by their driver's reckless or unsafe driving.
If you are hospitalized, require several surgeries and can't go back to work, $25,000 is not going to be enough to pay for your medical treatment, future care and lost income. That's where uninsured or underinsured motorist coverage comes in. That insurance coverage, that you can buy, will protect you by paying damages up to the policy limit. So get a high policy limit.
Having represented people who have gone through this, I can tell you it is a difficult time to be injured, out of work, in debt and with only limited recovery options for the harms caused by another driver.
Uninsured and underinsured motorist coverage is relatively inexpensive and protects you and your family from a financial disaster if you're hit by an uninsured driver or a car with minimum policy limits.