Oct 20, 2020
Since the coronavirus pandemic hit the world, “normal” life has become a distant memory. Here in the United States, President Trump ultimately declared the pandemic a national emergency and a shutdown.
In an instant, the economy collapsed as schools, churches, and most businesses were shut down. The shutdown led to countless businesses closing, and millions of workers lost their jobs.
It appears we are slowly coming out of the shutdown. Public and private entities are stepping up to assist everyone hit hard by the pandemic. The government has issued stimulus checks and is debating sending out more checks soon.
What about the insurance industry? How is the industry dealing with a large percentage of their customers who are suddenly unable to pay for insurance?
To date, no significant incentives or breaks have been offered by the leading auto insurers. That means many drivers who are suffering financially from the effects of the pandemic will be unable to afford auto insurance. Consequently, the number of uninsured drivers on the roads is sure to rise for the rest of 2020 and beyond.
Whenever someone drives our streets and highways without auto insurance, the risk of claims issues by other motorists increases, the best thing you can do is to make sure you are carrying enough uninsured motorist (UM) coverage.
It’s important that your auto insurance policy protects you and your family should you be involved in an accident with an uninsured motorist.
Ideally, you need both uninsured motorist benefits and collision coverage.
If you are in a car accident caused by someone who did not have auto insurance, the UM benefits will compensate you for various damages, such as:
It’s recommended to purchase a minimum of $100,000 of UM coverage.
The coronavirus pandemic has hit just about everyone hard. Many of the new changes affecting our daily lives are out of our control. However, getting proper insurance coverage, including uninsured motorist benefits, is one thing you can do to protect yourself.
If you’ve been in an accident with an uninsured motorist, let us help you recover from damages. The skilled attorneys at The Law Offices of Thomas A. Morrissey have experience handling auto accident cases against insurance companies, and we can help you too.
Contact us now for a free initial consultation where we’ll answer any questions you may have and give you all the information you need to move forward.
Thomas A. Morrissey is an experienced personal injury lawyer, trusted to protect the rights of those who have suffered an injury in the Chicagoland area.
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