June 7, 2016

Today’s video is on reading your insurance policy.

Uninsured Motorist Law Firm – Reading your Policy

What is uninsured motorist coverage? Sounds kind of confusing to me, but it’s not. Let’s step back a second and discuss automobile insurance. Automobile insurance provides coverage for you in the event that you cause an accident to someone else. If you’re going down the street and someone rear ends you, your insurance policy does not come into play in most circumstances. Instead, what happens is you make a claim on the insurance policy of the at-fault driver. But what happens when you’re involved in an accident with someone who does not have car insurance? That happens all the time. That’s when you get involved with uninsured or underinsured motorist coverage. What that means is when you buy your insurance policy, you are provided a certain amount of coverage for you in the event you were involved in an accident with someone who is dumb enough to be driving in the state of Florida without any kind of insurance at all. So it covers you if you are involved in an uninsured event. It also covers you in the circumstances where you have coverage from the other policy, that being the driver who caused the accident, but it’s not enough to cover the damage to your vehicle or to you personally for bodily injury. That’s when we refer to it as underinsured coverage. These kinds of issues are dealt with by qualified personal injury lawyers, like those that we have at Corless-Barfield. If you have questions about these, we can look at your insurance policy and maximize the amount of coverage that’s available, both from the driver that caused your accident, but also from your own insurance policy. Reading insurance policies can be very complicated and frustrating. If you need help with your insurance claim or just understanding your insurance coverage, please visit our website at www.CorlessBarfield.com or give us a call. You take care of your family, and we’ll take care of the insurance company.