Government statistics estimate that over 13% of drivers are driving without a valid license. In addition, countless licensed drivers purchase insurance in order to register their vehicle but cancel afterward. This means that it is quite possible that you may be involved in a motor vehicle accident and have no way of recovering damages against the negligent driver; and even if the negligent driver does have insurance, he may not have enough insurance to cover your damages.
"Uninsured motorist" means that the person responsible for your injuries is operating a vehicle without any insurance coverage whatsoever. If you have purchased uninsured motorist coverage, you will be able to collect from your insurance company to recoup your damages (both property and personal).
"Underinsured motorist" means that the person responsible for your injuries has not purchased adequate coverage.
It is imperative that you purchase an insurance policy that includes greater than the minimum limit that includes coverage equal to your liability limits. This additional coverage will protect you against a negligent driver's financial irresponsibility because it will place the responsibility on YOUR insurance company to compensate you for your losses.
If you or a family member suffered from an auto accident and would like more information concerning your legal rights, please contact us. Call Hinkle Law Offices at 505-TUF-HELP or 1-888-883-4357 for an immediate free evaluation of your potential case.
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Disclaimer: This Hinkle Law Office website is dedicated to providing public information regarding New Mexico personal injury, auto accidents, motorcycle accidents, dog bite injuries, animal attacks, wrongful death, and other legal information. None of the information on this site is intended to be formal legal advice, nor the formation of a lawyer or attorney client relationship.
