Complications are common in a car accident claim and other motor vehicle accident claims. One of the most common is when the negligent driver does not have sufficient insurance coverage. While this poses a unique challenge, it does not mean that the victim has no opportunity to pursue compensation. There may be other avenues available. At our firm, we use more than 45 years of experience to find those avenues and assist clients with uninsured and underinsured motorist claims.
There Are Many Uninsured And Underinsured Motorists On The Road
While the law requires people to carry insurance coverage in order to register and drive their cars, many people break the law. Some buy coverage and cancel it, or stop paying immediately after they register. Furthermore, the law requires only a certain amount of insurance coverage. If a driver causes an accident that leads to serious personal injuries and that driver only has the minimum amount of insurance, it may not be sufficient to compensate the victim of a car accident for their injuries and their medical expenses.
Dealing With Uninsured And Underinsured Drivers
Drivers have uninsured and underinsured motorist coverage (UM/UIM coverage) as part of their auto insurance policy. This coverage is designed specifically for situations in which a driver is injured by someone with insufficient insurance. Our law firm’s attorneys have significant insurance defense experience. We understand and can address the insurance-related issues that arise from motor vehicle accidents to help our clients obtain JUSTICE.
Whenever possible, our attorneys will attempt to get compensation from the negligent driver. Few uninsured drivers have the resources to cover the damage caused by a serious accident, so we then look to other sources of compensation. In those circumstances where the negligent driver does not have insurance or has inadequate insurance to compensate an injured person, the underinsured/uninsured motorist coverage you have will often cover expenses. The victim’s own insurance can often cover expenses that would have been paid for by the negligent driver’s insurance company.