Hastings & Hastings Educates on Uninsured Drivers

    PHOENIX, AZ, December 22, 2015 /24-7PressRelease/ -- The consequences of being hit by an uninsured driver could be dire, especially if individuals do not possess uninsured motorist coverage. Hastings & Hastings advises everyone to hold both underinsured and uninsured motorist coverage.

Hastings & Hastings clarifies when it is important to have uninsured motorist coverage and educates on how the coverage works. If an individual has been involved in a car accident in which another driver is ruled to be at fault, normally a claim would be made on the at-fault drivers insurance. When the at-fault driver does not possess insurance, problems begin to arise. Hastings & Hastings notes, the at-fault driver is still responsible for the damage, however, if they are not able to afford insurance, they will likely be unable to afford to pay for damages as well.

This is when uninsured motorist coverage kicks in. In such a case, an individual now makes a claim with their own insurance company using their uninsured motorist policy. If for some reason they do not possess uninsured motorist coverage, they may find themselves unable to gain any compensation to account for the damages incurred in the accident. Hastings & Hastings again advises, this is why uninsured motorist coverage is so important. It protects drivers from worst case scenarios.

Under insured coverage functions similarly to under-insured coverage. Hastings & Hastings offers a hypothetical situation in which a case is worth approximately $150,000. A claim is made on an under-insured individual's policy, however that policy only offers $100,000 in coverage. Under-insured motorist coverage will account for the $50,000 difference. Without under-insured coverage, the accident victim would not be compensated for the additional $50,000.

Hastings & Hastings acknowledges that situations involving under-insured and uninsured motorists can often be confusing and difficult to navigate. For this reason, it is often wise to retain the services of a qualified attorney who is experienced deal with accident claims.

"Cases involving under-insured or uninsured drivers are almost always complex matters. When such claims are made, it is of the utmost importance that accident victims will be able to demonstrate the negligence or fault of the driver who caused the accident. This is where an experienced accident attorney can be a massive help," said David Hastings, the founder of Hastings & Hastings.

# # #