Driving is an essential part of many of our lives. Whether we are hitting the daily commute for work, heading down the road to school, or heading off on summer vacation, driving gives us the freedom to get where we need to go. Part of having that freedom is taking responsibility for the machinery you’re driving, so drivers are required to have auto insurance policies to cover the liability associated with driving. But there are times when crashes happen, and the person at-fault is an underinsured or uninsured driver without enough coverage to pay for your bills.
Though you may not be the at-fault driver, you could end up paying out of your own pocket if the other driver is uninsured or underinsured. According to the latest research from the Insurance Research Council (IRC), between nine and 11 percent of drivers in Montana are uninsured (and that doesn’t account for those who are underinsured).
To help protect yourself, there’s insurance coverage specifically for these cases. Uninsured insurance coverage can help pay for medical bills and other harms if you’re injured in the crash, and the other driver is uninsured.
Underinsured coverage can also cover your medical bills and other harms if the at-fault driver doesn’t have enough insurance coverage to compensate you.
In Montana, drivers must carry at least $25,000 in uninsured motorist bodily injury coverage, but underinsured driver coverage is optional.
A car crash can upend or even destroy many parts of your life, from finances to physical injuries and more. When that crash requires dealing with uninsured or underinsured drivers at-fault, it can be even more stressful. Our experienced attorneys at Terrazas Henkel, P.C. can walk you through Montana law’s intricacies and help you find the compensation you deserve. Call to schedule an appointment at 406-541-2550.