Posted on behalf of Henness & Haight on Apr 18, 2011 in Insurance News
A question I'm often asked is, "Do I need under-insured motorist coverage in Las Vegas?", and the answer I always give is, "Absolutely!". Especially in this economic time where we're finding now, more than ever, people on the roadways of Las Vegas have no auto insurance coverage, and as a result, if you're hit by someone without insurance, your only recourse is to use your under-insured motorist coverage. This can sometimes be extremely important when looking for motorcycle accident lawyers in Las Vegas due to the extent of injuries that can occur in such an accident.
If you haven't spoken to your agent recently about what coverages you have, I strongly recommend you talk to your agent about obtaining at least $15,000 worth of under-insured motorist coverage per person. This will protect everyone in your vehicle in the event you're unfortunate enough to be involved in an accident with an underinsured driver. One of the most important reasons to have under-insured motorist coverage is you'll rely on it to pay medical bills, which aren't covered by health insurance, that you incur as a result of an injury sustained in an accident with an uninsured or under-insured motorist.
Also, if you miss time from work under-insured motorist coverage can compensate you for that time you missed from work as a result of being insured. Also, compensation for pain and suffering: Without under-insured motorist coverage, if you're involved in an accident with someone who doesn't have liability insurance, you have no recourse whatsoever. I strongly recommend if you haven't spoken to your agent recently about your auto coverages, first and foremost - make sure you have under-insured coverage on your policy. Also, check the limits of that coverage. In this day in age, with the cost of medical expenses going up yearly, it's important to have a sufficient amount of under-insured coverage. This is an expense well worth it, and one that we strongly recommend you take a look at. Make the change sooner rather than later.