What Is the Difference Between Underinsured and Uninsured Coverage in the Event of an Accident in Cleveland? August 28, 2012.

Speaking with a car accident lawyer in Cleveland is a good way to better understand the difference between underinsured and uninsured insurance coverage. In cases in which the other driver has no or lacking insurance, these types of coverage may help cover any damages you incur in the auto accident.

There are a lot of things to be concerned about after you have been injured in an accident. One concern is what type of insurance the other driver carries, and whether he or she has coverage at all.

Despite insurance being mandatory, not all drivers carry it. There are also cases of hit and run accidents where one of the drivers leaves the scene of the accident and may be difficult, or impossible, to locate.

In situations such as these, uninsured motorist coverage can help. It will provide compensation, even if the other driver carries no coverage at all. The amount available will depend on your policy limits.

In some cases, even if the other driver does have insurance, it may not be enough to cover all of your damages. Between medical expenses and lost wages, you could find yourself in a deep financial hole.

Underinsured motorist coverage can help in this situation. Let’s say the other driver only has $10,000 in coverage but your damages amount to $25,000. If you carry at least $15,000 of underinsured motorist coverage, the gap would be closed.

Seeking Help from Car Accident Lawyer in Cleveland

You never know what type of situation you will find yourself in after an auto accident. Not only could you be dealing with healing and recovery, you may be wondering how you will take care of your medical bills and other losses.

To learn what legal options may be available, contact Mellino Law Firm today for a free consultation at (440) 333-3800.