Car Accidents - Underinsured/Uninsured Motorist & Medical Payments Coverage
Most insurance policies offer some kind of medical payments coverage option. This can typically be had in the amounts of $2,500 or $5,000, but more can always be added to increase that amount if necessary. This coverage offers protection to the occupants of the vehicle that is not at-fault, and supplements the amount that any injured victims may collect from the at-fault driver.
Medical payments coverage acts as additional coverage to injured parties in the victim's vehicle over and above those payments provided by the at-fault driver's coverage. Medical payments are then paid toward any injured victims' medical bills.
Underinsurance coverage in MA (in RI this falls under your Uninsured Motorist Coverage) offers another way of providing additional coverage for not at-fault parties, in addition to any payments made by the at-fault driver's insurance coverage. In Rhode Island this coverage offers the injured victims who were not at-fault for the accident the opportunity to collect for additional damages for pain and suffering over and above what is covered by the at-fault party's coverage.
Underinsurance/uninsured motorist coverage will not be added to your policy automatically unless you specifically ask for it. However, if you waive this kind of coverage, you will need to do so in writing. The minimum insurance coverage in RI is $25,000.00 per person and $50,000.00 per accident for underinsurance coverage, although higher amounts can be purchased for greater coverage.
This type of coverage only becomes necessary if the vehicle that is at fault does not have enough coverage to protect all of the injured people, and acts as a supplement to what the injured victims can receive.
If you or someone you know has been injured in a car accident, you need personal injury attorneys who know the law. Karns & Kerrison personal injury lawyers offer free consultations and no fee unless successful. Their experience in handling cases against negligent drivers is extensive, and they are familiar with reviewing the kinds of data that can help prove negligence in an injury situation. Contact them now at any one of their easy to reach Rhode Island locations for a free consultation or more information.