The
uninsured motorist is truly a menace on the highway, but if you are hit by a
driver with no insurance, all is not lost.
Every automobile insurance policy in Maine is required to have an
uninsured motorist provision which provides that if you are injured by the
fault of a person with no insurance, you can collect for your injuries from
your own insurance company.
This
also applies if the other person has insurance, but his policy limit is too low
to cover your claim.
The fly
in the ointment in all of this, however, is that you only get protection up to
the amount of uninsured motorist protection you added when you purchased your
auto policy. Usually the UM policy limit
will be the same as your underlying liability coverage, but it is possible to
save a few dollars by taking a lower amount which is A BAD IDEA! You could find yourself with serious injuries
and be unable to get enough to even begin to cover you medical bills, not to
mention lost wages, pain and suffering, etc.
The
minimum UM coverage in Maine is $50,000, just the same as liability
coverage. IT IS HIGHLY RECOMMENDED that
much higher limits be purchased. A
minimum of $100,000 for both liability and UM is a must with $300,000 or more
being much better.
If you
have questions about uninsured motorist coverage or any other issue about
injury claims, call us at 1-800-999-LEGAL(5342) or order our free book at http://www.lowrylaw.com/reports/the-big-secrets-about-maine-injury-claims-what-no-one-is-telling-you.cfm.
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