Uninsured and Underinsured Motorist Coverage in Honolulu

Having the right kind of insurance on your vehicle is important, since there is no way to predict whether you will ever be involved in a car accident in Hawaii. The right amount of coverage can help cover property damage along with medical expenses if you are injured. Contact a Honolulu accident lawyer today if you have been injured in a car accident in Hawaii.

Uninsured Motorist Coverage

Unfortunately, there are a large number of uninsured drivers who take to the roads every day in Hawaii. To protect not only yourself but your family members, you should purchase an adequate amount of uninsured motorist coverage.

Uninsured motorist coverage is reasonably priced and will help pay for expenses related to injuries you may receive in a car accident in Hawaii, with a driver who is not insured. Speaking to your car insurance agent can give you more insight into the amounts of uninsured motorist coverage available and which amounts would work best for your family.

Waiving this coverage may prevent you from recovering the compensation you need to pay for expensive hospital and medical bills. Uninsured motorist coverage also applies when you are injured by a hit and run driver, or if you are injured by a vehicle while outside of your car, such as a pedestrian accident.

Under Insured Motorist Coverage

Not only are there a number of drivers who are uninsured but many don’t carry enough insurance coverage. This is where underinsured motorist coverage comes in handy.

If another driver is negligent and causes a car accident in Hawaii, resulting in bodily injury, they may not have enough coverage to take care of your claim. This type of insurance coverage can help make up the difference between what the other party’s insurance can cover, and your actual medical bills, lost wages, and other accident expenses.

Uninsured/underinsured motorist coverage purchased in amounts of $100,000 or $300,000 can make a huge difference if you are seriously injured in a car accident with an uninsured motorist. However, you should speak with your car insurance agent to determine how much uninsured coverage you can reasonably afford.

A Honolulu accident lawyer has the resources to thoroughly investigate your accident and help determine who is liable for your injuries. They will inform you of your options for filing a claim as well as examine your and the other party’s insurance coverage to explore all potential sources of accident compensation.

In addition, a Honolulu accident lawyer can also determine the amount of compensation that you may be entitled to and can fight on your side for a fair settlement or if necessary, take your claim to court.

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