Underinsured insurance pays for your injuries if you are in an accident with a driver who does not carry enough liability insurance to pay for your medical expenses. There's nothing worse than being involved in a bad automobile accident and finding out that the person who hit you does not have any insurance.
With today's economy, some people only buy the minimum amount of insurance required by law - while others buy as much as they can because after all, it's better to be safe than sorry. Sorry, being the case where the person that hit you does not have any insurance of their own.
Liability insurance comes into play if you injure or kill another person. Did you know that about 20 percent of people have only minimum liability coverage in case they injure another person, which means their policy pays only about $25,000 to the injured party? Most accidents involving serious injuries include medical expenses, therapy, lost wages, and $25,000 is not enough to pay for all of that.
If your accident was caused by a driver that was uninsured, calm down, your own insurance policy may provide you with the coverage you need to recover from your injuries. Contact a highly experienced San Bernardino Personal Injury attorney who will make sure the insurance company does not take advantage of you.