Subject: Question About Uninsured Motorist Bodily Injury Coverage with AAA
Hi everyone,
I hope you’re doing well.
I recently had a car accident where I was not at fault, and during the investigation by AAA, it was revealed that the other driver did not have insurance. Now, my main adjuster has informed me that a collection agency is seeking reimbursement. I only need coverage for my car repairs and medical expenses. While my car has been repaired, my medical bills are still accumulating.
My current policy includes Uninsured Motorist coverage at $100,000 per person and $300,000 per accident. I’m wondering if I’m misunderstanding how this coverage works. Additionally, why is AAA offering me optional uninsured motorist bodily injury coverage now?
Thanks in advance for your help!
Hi there!
It sounds like you’re going through a frustrating situation, and I can understand why you’re seeking clarification. It’s great that you have Uninsured Motorist (UM) coverage as part of your policy; that can be crucial when dealing with an accident involving an uninsured driver.
Your UM coverage should help cover your medical expenses and any bodily injury claims resulting from the accident, given that the other party was uninsured and you were not at fault. The coverage of $100,000 per person and $300,000 per accident is quite standard and aims to protect you against losses when the other driver lacks insurance.
AAA might be offering you additional optional coverage to enhance your peace of mind and financial protection. This could include higher limits or different types of coverage that might not be fully covered under your existing policy. For instance, they might offer options for higher UM limits or specialized injury coverage that addresses specific needs.
It could be beneficial to clarify with your adjuster why they’re presenting this offer. Ask them how it relates to your current situation and whether it would provide additional benefits considering you already have UM coverage. If your current coverage seems sufficient for your needs, you may not need to take the additional coverage now, but it’s always good to assess your current coverage to ensure it aligns with your needs moving forward.
I hope this helps clarify your situation! If you have more questions or if there are details specific to your case that you want to discuss, feel free to share. Good luck!