Wednesday, August 1, 2012

Uninsured and Under Insured Motorist Insurance Pays Extra Money

Mission Viejo accident lawyer John P. Burns advises all his clients that they should add Uninsured Motorist coverage to their automobile insurance policies. Uninsured Motorist coverage will pay for your injuries if the person who caused your accident does not have insurance. Uninsured Motorist insurance will also cover you if the person who caused your accident has some insurance but not enough to cover your claim. Mission Viejo accident Lawyer John P. Burns obtains extra money for many of his clients by making claims against the person at fault for the accident plus his client’s own Uninsured Motorist insurance policy.

What is Uninsured Motorist Insurance?

There are estimates that one out of every six to seven drivers you see on California roads and freeways is driving without insurance. Uninsured Motorist insurance is additional car insurance which you can tell your insurance agent to add to your basic automobile liability policy. When you are hit by a driver with no car insurance then your own insurance company becomes the insurance company of that person for that one accident.

You should not be afraid that your own insurance company will raise your rates or cancel your insurance if you ever make such a claim. Since you were not at fault for the accident and you paid to have the Uninsured Motorist coverage, your insurance company will usually handle you claim with no problems for you.

What is Under Insured Motorist Insurance?

Under Insured Motorist coverage covers you for the difference between the maximum amount of insurance of the driver at fault and the amount of Uninsured Motorist coverage which you buy. For example, you have $30,000.00 Uninsured Motorist coverage on your car policy. The person who caused the accident only had $15,000.00 in liability insurance but your claim is worth $30,000.00. You can first collect $15,000.00 from the person who caused the accident.

Then you can claim the additional $15,000.00 from your own insurance company as an Under Insured Motorist claim. The second part of such a claim is called an Under Insured Motorist claim because the person who caused the accident was insured but was under insured by not having enough insurance to pay the full value of your claim.

Uninsured Motorist Insurance Not Expensive

You will probably be pleasantly surprised if you obtain a price quote for adding Uninsured Motorist coverage to your vehicle insurance policy. Uninsured Motorist coverage is usually quite inexpensive and does not increase your premiums dramatically while giving you valuable extra protection.

Mission Viejo accident lawyer John P. Burns Gets Extra Money for Clients

Mission Viejo Accident lawyer John P. Burns has many clients who are grateful that they had Uninsured Motorist coverage on their automobile policies. In many cases, it means that Mr. Burns can increase the client’s financial settlement with a second claim against the client’s own insurance company.

Resource Box:

If you have a case you would like to discuss, please feel free to call Mission Viejo Personal Injury Attorney John Burns at 949-496-7000 or toll free at 877-320-1338. There is no charge to talk about your case or to answer your questions about your case. You can also e mail Mr. Burns at to discuss your case, or visit the website at

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