Personal Injury Coverage: Understanding Uninsured, Underinsured, and Med Pay
In the state of California, being involved in a car accident can have serious consequences. Whether you are the driver, passenger, or pedestrian, you can suffer from physical and emotional injuries. To protect yourself and your loved ones from the financial burden of these accidents, it is essential to understand the different types of personal injury coverage.
Uninsured Motorist Coverage
Uninsured motorist coverage is a type of insurance that protects you if you are involved in an accident with a driver who does not have insurance. Even though California law requires drivers to have insurance, some drivers still choose to drive without coverage. In these cases, uninsured motorist coverage will cover your medical expenses, lost wages, and other damages caused by the accident.
Underinsured Motorist Coverage
Underinsured motorist coverage is similar to uninsured motorist coverage, but it applies in situations where the other driver has insurance, but not enough to cover all of the damages caused by the accident. In this case, your underinsured motorist coverage will step in to cover the difference between the other driver’s insurance policy and the total cost of your damages.
Med Pay Coverage
Med Pay coverage, also known as medical payments coverage, is a type of insurance that covers your medical expenses regardless of who is at fault for the accident. This type of coverage can help pay for medical bills, rehabilitation, and other related expenses. It is important to note that Med Pay coverage is limited to a certain amount and does not cover lost wages or other damages.
Personal injury coverage is a crucial aspect of car insurance that can provide peace of mind and financial protection in the event of an accident. By understanding uninsured motorist coverage, underinsured motorist coverage, and Med Pay coverage, you can make informed decisions about the insurance coverage you need to protect yourself and your loved ones. If you have been involved in a car accident and need assistance with your personal injury claim, Makkabi Law Group can help. An experienced attorney can guide you through the legal process and fight for the compensation you deserve. Call us at 310-887-8000 for a free consultation.