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Uninsured Motorists

Contact A Car Accident Lawyer At 401-400-4254 To Discuss Your Case!

More than 2 million people a year are injured in car accidents. In 2009, almost 14 percent of all drivers on U.S roads were uninsured. It’s no surprise that many in Rhode Island, Connecticut and across the country are injured by one of these uninsured drivers.

Why Do People Drive Without Insurance?

Operating a vehicle without insurance can save a driver the cost of a premium. Avoiding this monthly fee is the main reason people decide to forgo auto insurance. Individuals who drive without insurance do so on the assumption that if they’re careful, they won’t get into a car accident and won’t have to pay. This logic puts the burden of financial responsibility on you, one of the people responsible enough to pay the cost of insurance every month, because accidents happen regardless of our best intentions. What insured drivers don’t know, or refuse to understand, is driving without insurance will end up costing them more later. Without insurance, they run the risk of accruing debt if they:

  • Get into an accident and need an ambulance
  • Acquire an injury during the accident
  • Need to buy an entirely different car if they can’t afford repairs
  • Need to hire a lawyer to protect them from civil lawsuits

Does My Insurance Cover Uninsured Drivers?

In Rhode Island, auto insurance companies are obligated to offer uninsured and underinsured motorist coverage, though drivers are able to opt out of this coverage. By Connecticut law, your insurance company is obligated to provide uninsured and underinsured motorist coverage. If you have coverage, but it fails to meet the costs of expenses accrued because of the accident, you may be entitled to compensation. All insurance companies in Connecticut are required to get your informed consent when you purchase your uninsured and underinsured motorist coverage. If your insurance company failed to inform you of the people it wouldn’t cover or the cap of coverage, you could have a case against them.

TJC • ESQ is now a part of Burns & Levinson, one of the largest and most respected family law firms in the nation. Call 401-400-4254 to speak to one of our personal injury attorneys. We are experienced legal representatives who will fight for your rights. Schedule your consultation today.

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