Should You Use Your Uninsured or Underinsured Motorist Coverage?
Hi, I’m Shane Smith from Shane Smith Law.
One question we hear all the time is:
“Should I use my uninsured or underinsured motorist insurance if the accident wasn’t my fault?”
The short answer is yes, you should at least evaluate it. Here’s why.
What Is Uninsured and Underinsured Motorist Coverage?
This is coverage you purchase to protect yourself if:
- The at-fault driver has no insurance, or
- They have too little insurance to cover your injuries
It is designed to step in when the other driver cannot fully compensate you.
1. Your Rates Should Not Go Up
Many clients hesitate because they worry about their insurance rates increasing.
In most cases:
- If the accident is not your fault,
- And you are using UM or UIM coverage,
Your rates should not increase.
If that ever happens, let your attorney know, it is something that should be reviewed immediately.
2. Faster Recovery
If the other driver has no insurance:
- Suing them individually is often not effective
- They may not have assets to recover from
Using your UM coverage allows you to:
- Get compensated faster
- Avoid long delays
- Move forward with your life
3. Protection When Injuries Are Serious
If the at-fault driver has a minimal policy and you are seriously injured:
- Their coverage may not be enough
- Your UIM coverage can fill the gap
This is especially important in cases involving:
- Surgery
- Long-term treatment
- Significant medical expenses
4. You Paid for This Coverage
You pay premiums for this protection every month.
If the situation calls for it, it makes sense to:
- Review your policy
- Use the coverage you purchased
- Protect yourself and your family
Final Thoughts
Uninsured and underinsured motorist coverage exists for one reason:
To protect you when someone else cannot.
Every case is different, so it is important to review your options carefully and make the best decision for your situation.
If you have questions about your coverage, we are here to help.
Request our free Victim’s Survival Guide to Car Accidents:
👉 https://www.shanesmithlaw.com/car-accident-victim-survival-guide/
Or visit:
👉 https://www.shanesmithlaw.com/
In pain? Call Shane.
📞 980-999-9999
