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Uninsured/Underinsured Motorist Accidents Archives

Montana's rate of uninsured drivers higher than neighbors

When you get a driver's license and register your car in Montana, you enter into a social contract with the state and all of the other drivers with whom you share the road. It's a contract that says you will follow traffic laws and look out for your safety and the safety of the other motorists around you.

Will my umbrella policy cover an uninsured motorist?

Many people that purchase umbrella insurance policies do so to protect themselves in the event their insurance is not enough. Unfortunately, in the case of an accident caused by an uninsured or underinsured motorist, your umbrella policy may be no good. In fact, compensation of any kind may weigh heavily on your other coverage or your decision to hire an attorney.

How do I handle medical bills after an underinsured accident?

If you have been involved in an automobile accident, and the at-fault driver is underinsured or uninsured, you may have serious concerns about how to handle the claim and who will cover your medical bills or lost wages. Although it is your responsibility to handle these expenses as they are incurred, there are many options for individuals injured in an automobile accident. Working with an experienced personal injury attorney can help you determine which option is best for your situation.

Wording of insurance policies determine compensation

If you should ever have the misfortune of being involved in an automobile accident, you may face many challenges in its aftermath. If the accident was caused by another motorist who is properly insured, then his or her coverage should pay for medical bills and other damages. However, if the responsible driver was not insured, then it could fall on you to pay what could be very costly expenses.

Uninsured motorists pose threat to motorcyclists

As you are likely aware, many of Montana's drivers are either underinsured or simply have no insurance whatsoever. As maddening as this is for responsible motorists who pay their premiums every month, it is nonetheless a fact that must be acknowledged and dealt with. Of course, the most effective way to financially cover yourself and your passengers from being stuck with bills for damages and medical expenses is to add an underinsured/uninsured component to your auto insurance policy.

What should I do if I am in an accident with an uninsured driver?

Being involved in an automobile accident can be an extremely taxing experience. If the accident was caused by another driver, then his or her coverage should cover the costs. But what happens if the party at fault is not insured?

Small car owners need protection against uninsured drivers

The rugged terrain of Montana inspires many of the state's motorists to purchase large, sturdy cars and SUVs. But there are those who prefer the advantages of smaller passenger vehicles. Smaller cars are often more economical than their larger auto brethren. Small cars are also widely considered more environmentally friendly, and some models can be a lot of fun to drive.

Study reveals increased costs of uninsured motorist accidents

The results of a study that were released by the Insurance Research Council reveals that the years 2010, 2011 and 2012 saw a declining trend in the estimated percentage of motorists who were uninsured. However, the news is not all good.

In spite of fines, some motorists drive without insurance

Montana law requires that all drivers carry at least a minimum level of liability insurance on any registered vehicle. Yet, some motorists choose not to obey this law and drive on the state's roadway without insurance.

Myths could negatively affect important auto insurance decisions

Unfortunately, not everyone makes the smart choice to purchase auto insurance. Others fail to get coverage that is appropriate to their needs. So what could cause motorists to make mistakes in regard to purchasing coverage?