How to protect your family against uninsured drivers

Car accidents involving uninsured drivers are some of the most complicated car accidents because they give rise to unique insurance issues. In many cases, when an uninsured driver is at fault for a car accident, a lawyer's help will be needed to advance the insurance claim and help negotiate an injury claim.

If you are injured by an uninsured driver, your auto insurance policy will be set up and respond to the claim. The issue that arises in an uninsured car accident case involving serious injuries is a limitation on insurance coverage.

In every province, there is a minimum insurance coverage limit required for any vehicle on the road. In Nova Scotia, the minimum limit is $500,000. This sounds like a lot of money, but, if there are multiple injured people or serious injuries, the value of the claims may exceed the available coverage. This means that the injury victims won't be fairly compensated!

To avoid being under-compensated in the event of an uninsured driver car accident claim, you can purchase SEF 44 coverage. This coverage, known by most as the family protection endorsement, boosts the coverage available to $1,000,000 or even $2,000,000.

The cost of family protection coverage is often under $50 per year. This means for less than the cost of a coffee per month, you can help protect your family from a terrible outcome.

Jeff Mitchell is an experienced car accident lawyer representing many personal injury victims after a serious car accident involving uninsured drivers. He knows that a fair settlement for a personal injury claim can exceed the minimum coverage for the jurisdiction. While Jeff doesn’t sell insurance, he tells his clients to make sure that they pay a few dollars per month to get this coverage. Often we see that the range is automatically added to auto insurance policies – so you may have this coverage without knowing it!

If you have questions about your insurance coverage, how to access coverage in the event of a car accident, or what to do about an insurance claim involving an uninsured driver, you should contact Jeff Mitchell. At NOVA Injury Law, we offer free case reviews for all car accident cases. You’ll learn about your rights and what steps you need to take right away to protect your rights to fair compensation.