If you’re ever involved in a
car accident, a Cleveland personal injury lawyer can help you recover compensation
for damages, such as medical expenses and a totaled vehicle. But what
if the other driver doesn’t have insurance? In such a situation,
you may be thankful for including uninsured motorist (UM) coverage in
your policy, since UM coverage protects you from damage that an uninsured
driver causes. However, there are things to consider.

One problem with uninsured motorist coverage is the vague terms that some
policies include. You may think you know what to expect after getting
into an accident, but, when the time comes, your insurance company may
deny your claim if you fail to submit proper documentation, which may
not have been thoroughly explained in your policy. Likewise, the company
may only pay part of the claim, or you may be left without any financial
compensation despite paying extra for this policy.

Uninsured motorist coverage may also limit the amount you can recover for
lost wages and pain and suffering. These limits may not be fully explained
in your policy either.

Some policyholders may see frequent premium increases. For instance, if
you file a claim, the insurance company could raise your rates to recoup
some of the money it lost.

Another downfall to uninsured motorist coverage is that it may not be sufficient
to meet your needs. You may buy a $20,000 policy, but if three or four
passengers are injured in an accident, that $20,000 limit can be exceeded
quickly, leaving you to pay some expenses out of pocket.

If you have questions about a car accident or uninsured motorist coverage,
contact our office at (440) 333-3800.