After an Atlanta Car Wreck, Be Sure to Look at Your Own Household and Car Insurance Policies
After an Atlanta car wreck, people are often surprised to learn that they also need to look at their own household and car insurance policies.
You have the option of purchasing uninsured and under insured motorist coverage at the time you purchase your own car insurance. In circumstances in which the driver at fault has no insurance or minimal coverage, any uninsured or underinsured motorist coverage that you have purchased may be available to you.
Beyond your own policy, you need to look at all the insurance policies in your own household. If a spouse, a grandmother, or another family member who lives in your household has an automobile policy that covers uninsured motorists, you are able to add those monies to help pay for your injuries.
I have seen cases in which there have been as many as five different vehicles in a household and each of those vehicles had $50,000 in uninsured motorist insurance coverage. In that instance, stacking the $50,000 policies equaled $250,000 of insurance coverage that was available for the client’s serious injuries.Furthermore, if your company has uninsured motorist coverage on the vehicle that you were traveling in, that policy would also offer coverage.
Remember: discovering all the insurance policies that have the potential to help you is critical when you are dealing with injury claims. In my experience, many insurance companies do not readily disclose all the potential policies available. To avoid this problem, one of the first steps the Dover Law Firm takes is to put the insurance carriers on formal notice to provide insurance policy information.
If you've been involved in a car wreck and are unsure about what potential insurance coverages you have available, please contact one of our experienced Atlanta car accident lawyers to schedule a no-charge consultation.