Why Underinsured Motorist Coverage Matters After a Beltway Car Accident
If you are in a serious car accident on the Beltway or I-95 in Washington DC, Maryland, or Virginia, there is a good chance the at-fault driver will have no insurance or only the minimum coverage required by law. In DC, that minimum is $25,000. If you need surgery and miss weeks or months of work, $25,000 will not come close to covering your medical bills, lost income, and other damages.
Real Case: $25,000 Coverage Limit After a Major Crash
We recently represented a client who was seriously injured when another driver suddenly crossed three lanes of traffic on the Beltway. The at-fault driver carried only the DC minimum of $25,000 in liability insurance. Just two weeks later, our client needed surgery, and his medical expenses quickly exceeded the policy limit.
What Is Underinsured Motorist Coverage?
Underinsured motorist coverage (UIM) is an optional policy you can add to your car insurance. It protects you if you are hit by a driver who has no insurance or not enough coverage to pay for your injuries. In Washington DC, Maryland, and Virginia, many drivers carry only the legal minimum — which is rarely enough after a serious accident.
UIM can cover your medical bills, lost wages, and other damages when the at-fault driver’s insurance is insufficient. It is often inexpensive and provides peace of mind, especially if your limits are higher than the state minimum.
Check Your Coverage Now
Review your auto insurance policy today to make sure you have strong uninsured and underinsured motorist coverage. Increasing your limits now can protect you and your family from the reckless, distracted, and aggressive drivers you see every day on the Beltway and Route 95.
Why You Need a Car Accident Lawyer
If you are injured in a car accident, an experienced car accident lawyer can protect your rights, negotiate with insurance companies, and handle complex issues like subrogation and liens. The right lawyer will make sure you receive the maximum compensation available so you can focus on your recovery.
If you have questions about underinsured motorist coverage or need help after a serious crash, call us at 202-393-3320 or schedule a free 15-minute consultation. To schedule a free consultation click here.
We help injured people throughout Washington DC, Maryland, and Virginia.
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