Who is liable when a car is stolen and the driver subsequently causes a collision and causes injuries or death? It is unlikely that the thief driving the car has any personal car insurance or assets. So, how would an injured individual or family be compensated after the accident for medical treatments and any other related expenses like pain and suffering, lost wages, or personal losses after such a collision? This is where uninsured motorist coverage comes in.
The following is a situation relayed to us from a chat transcript our office recently received regarding underinsured motorist coverage, or more accurately, the lack of it. All chats initiated on our website are confidential, so all personal details have been omitted:
Uninsured and Underinsured Motorist Coverage
Liability motor vehicle insurance is required for every vehicle driving on the road in West Virginia. State law requires insurance companies to offer automobile insurance coverage at minimum levels to every owner of automobiles so that theoretically every vehicle being operated on state highways has at least a minimum amount of liability coverage protection.