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Are you properly insured in the event of a vehicle crash?

Most families pay more attention to health care insurance than to the underinsured/uninsured coverage found in car insurance policies. In some states, such as Indiana, UIM/UM is not a requirement to drive a vehicle, but when it comes to providing protection and care for yourself and loved ones in your vehicle, it might be wise to think about adding it.

The minimum mandatory amounts for liability insurance that drivers must carry will hardly be enough to cover basic medical costs in the event of a serious vehicle accident. This is among the reasons that having proper insurance coverage for yourself and any teen drivers is so important.

Medical care after an accident

If you or your teen are in a car crash, you should seek medical care at once, even if you have only received bumps and scrapes. Not only is this important in terms of your health, but a medical report will also provide a vital link between your injuries and the accident. This connection will be essential when it comes to seeking financial compensation from an insurance company.

Serious injuries, serious problems

Your health care insurance would likely cover your bills for bumps and scrapes, but what if you sustain more serious injuries, and what if the driver who caused the crash has basic insurance that is insufficient to pay for all your medical expenses? Worse yet, what if the other driver has no insurance at all? If you are carrying UIM/UM as part of your auto insurance policy, you will have protection in cases like these; the police should cover your medical expenses before your health care insurance takes over. This can give you peace of mind if you or your loved ones are facing a hospital stay, surgery, rehabilitation or expensive medication.

Consider the odds

Studies indicate that 12 percent of drivers across the country do not have insurance. This seems like a relatively insignificant statistic. However, at any busy intersection, it means there will probably be at least one driver who does not have adequate insurance coverage. That driver could be responsible for an accident you never saw coming, and you will be grateful for the uninsured/underinsured motorist insurance you carry.

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Stop the worry and talk to attorney Matt Boulton. His advice is always free, always professional and always sincere.

Boulton Law Group, LLC
405 E. Main St
Brownsburg, IN 46112

Phone: 317-350-4935
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