If You Don't Have Underinsured Motorist Coverage

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Posted on Sep 12, 2018


Did you know that the legal minimum for insurance coverage in the DC Area is only $25,000.00? So what happens if you are hit by somebody who has the legal limit (or worse, no insurance at all) and their insurance will only pay out to $25,000.00?  Where do you turn if you are in a very serious car accident and your damages exceed both policies? The answer is Uninsured Motorist Coverage (UIM).

If you live in the DMV (and have experienced firsthand the Wild, Wild, West) you should have high UIM limits. A lot of times when we think of an auto accident we think car damage, maybe a visit to the ER and dealing with the insurance adjuster. However, in this area the stakes are much, much higher. Just the other day I saw a car accident on the highway that involved three or four cars, and this happens quite often on the Beltway and on the surrounding highways where cars are traveling at high speeds. Medical bills, especially if there is a surgery, can easily jump into the hundreds of thousands of dollars before you know it. And that's not accounting for lost income if you are out of work for months at at time due to your recovery. It can get really ugly, really fast.

The solution is to increase your coverage. Especially this week because we have a hurricane approaching (and though you probably shouldn't be out driving at all) if you do choose to drive you will want to make sure you are fully covered. 

If you have been in a serious accident already and you need help - we know exactly how to help you. Over the years we have become experts at dealing with insurance adjusters, managing medical care and negotiating a high settlement that will take care of your current needs, your past expenses, and your future treatment.

Don't wait - many times people wait too long to call an attorney because they don't know how much the insurance adjuster will take advantage of someone who is inexperienced. Remember, this is what they do all day, every day and they will limit your benefits in any way they can. Call us today at 202-3930-3320. You will speak with a real person who wants to hear your story. AND order our free book on accident cases - you'll be glad you did!

Frank R. Kearney, Attorney-at-Law
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Experienced DC Workers' Comp, Long Term Disability & Accident Lawyer