When you suffer an injury in a car accident caused by a negligent driver, you can recover compensation from their insurance company for medical bills, lost wages, as well as pain and suffering. But what happens when the at-fault motorist does not have any insurance coverage or doesn’t have enough insurance to cover the damages?
While the only auto insurance you are required to purchase in Idaho is liability coverage, uninsured motorist (UM) coverage allows you to recover your damages in the event you are involved in a collision with an uninsured driver. This type of coverage can also apply to hit and run accidents. You are required to buy insurance with a minimum bodily injury limit of $25,000 per injured party with a total potential payout of $50,000.
Keep in mind, you do not have to be severely injured in a car accident for medical bills to use all of the available insurance money. The rest could be used for economic damages and non-economic damages.
So if you want to avoid the financial strain of being involved in a crash with an uninsured motorist, it is wise to purchase uninsured motorist bodily injury coverage. But if you require additional compensation due to the severity of the injuries incurred, our Pocatello personal injury attorneys at May Rammell & Thompson can help you file a claim in order to get the compensation you deserve.