Attorney Chip Ferguson – Uninsured Underinsured Motorist

Ferguson Law Firm Attorney Chip Ferguson explains the importance of a trial attorney.

If the person who hits you is uninsured, our next step is to find out if your insurance policy provides you with what is called uninsured motorist coverage. Uninsured motorist coverage is just what it sounds like: it provides insurance coverage if you are unfortunate enough to have been injured by an uninsured driver. That insurance — which exists on your policy, and which you have paid for every single month when you write that premium check — steps in and provides you with your compensation in the unfortunate event that you are injured by an uninsured motorist.

Your insurance rates should not go up because you made a claim for benefits that you've bought and paid for. You're buying that coverage, they owe you that coverage, and you are putting money in their pocket if you don't claim those benefits.