Protecting Yourself - What You Should Know About Uninsured and Underinsured Coverages

Cory P. Whalen - SiebenCarey "Know Your Rights" AttorneyDecember 13, 2017

Uninsured motorist laws are different from state to state.  Some states even allow the consumer to opt out of the coverage.  Don’t do it.  Saving a little money in the short run might end up costing you thousands of dollars in the long run.  The small savings in premium cost doesn’t offset the protection offered by the coverage.  Declining the coverage can leave drivers exposed to thousands of dollars in expenses in the event of an accident.  Thankfully, Minnesota law does not allow for an opt out.  However, the Minnesota  minimum coverage amounts should be considered closely by the consumer to allow for adequate coverage. 
 
Uninsured motorist coverage can be added to your base insurance coverage to make sure you and your passengers will be compensated in the event of an accident with an uninsured driver.  Sometimes people let their insurance lapse without intending to do so and some individuals just fail to carry coverage.  Uninsured motorist coverage protects you and others in case of an accident.  Your coverage can also protect yourself and family members when they are passengers in other vehicles.
 
There are many instances in which an accident causes damages that exceed the limits of the at-fault driver’s liability insurance coverage.  Underinsured motorist coverage comes into play with this happens and allows for added coverage.  Medical expenses, lost wages and pain and suffering can add up fast. 
 
To ensure your best chances at compensation in the event of an accident with an uninsured or underinsured motorist, you should contact an experienced person injury attorney.  Cory P. Whalen has been representing injury victims from car, truck, bus and bicycle accidents for nearly twenty years.  Mr. Whalen can advise you as to your rights and guide you through complicated insurance and personal injury laws. 

Contact Cory P. Whalen today if you’ve been injured in an accident for a free legal consultation.

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Jesse Bukal

In need of a personal injury attorney? Well you're if you're reading this you're in the right place. You'd be hard pressed to find more competent attorneys than the ones here at SiebenCarey.

They took my case to trial and an amazing job presenting the facts and fighting for my best interests! Three years ago I was unsure of what my future would bring; now that it's over I can rest a bit easier. With SiebenCarey as my counsel, I believe I had the absolute BEST representation a person could've asked for. I knew that I wanted the absolute best representation when searching for an attorney to handle my case and I most definitely received it.

If you need a personal injury attorney, look no further. Can't recommend highly enough.

Eric Petoletti

Even though I was states away and could only talk on the phone, they listened and did everything that they could to win my case. I felt like I was a part of the family.

Carly R.

My boyfriend was hit by a car and while all the attorneys he talked to said he didn't have much chance of a case, SiebenCarey took him on and gave him a fighting chance. He's still recovering, but SiebenCarey is making it a lot easier.

Renee Goneau

SiebenCarey is a great personal injury law firm that really cares about their clients.  Highly recommend!

Morgan Petoletti

My husband had an amazing experience with this firm. They listened and took the time to understand our case.

Jazz Smith

SiebenCarey is a professional and dedicated law organization that help accident victim.

Daniel Ball

Really good professionals, they solved my issues in no time using the most impressive and advanced approach. Really good, highly recommended.

St. Paul Local 12

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I have had nothing but great service with these guys. They are very knowledgable on a wide variety of subjects and topic. They will help you with any case you need!

Greg Christiansen

My wife and daughter were killed in a vehicular incident.  I was referred by a good friend to SiebenCarey . Jim Carey personally handled my situation. The compassion, professionalism, and competence was beyond excellent.  In a most difficult  time for my son and me the help we received was immeasurable and in fact, helped our healing process.  I want to personally thank Jim and his team for their assistance.  I would recommend this organization unreservedly and totally to anyone who needs help in a tough time.

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