What if the at fault driver has minimum insurance coverage?
Q: What if the driver and owner of the car that caused my injuries had only minimum coverage for bodily injuries caused in the accident?
A: You may still recover compensation for your injuries. This depends on whether you were occupying a car which had underinsured motorist coverage, or you were covered by your own or a family member’s insurance policy having underinsured motorist coverage at the time of the accident. If you are eligible for this coverage, you can often make a claim against the policy to receive a settlement that is higher than the ‘at fault’ driver’s insurance coverage allows.
Underinsured Motorist Insurance (UIM) covers medical expenses that result from an accident caused by a driver who has too little insurance to cover all of the expenses. In some states, UIM is part of uninsured motorist insurance (UM).
In order to protect your rights, we recommend you contact an attorney immediately to find out about the time limitations involved in making an uninsured or underinsured motorist claim, as well as finding out the requirements of the policy you must meet in order to make such a claim.
Fighting for the Fair Compensation that You Deserve After Being Injured
In most cases, you should contact an attorney to assist you during the claims process and the fight for the compensation that you deserve after being injured by a negligent driver. Experienced lawyers have your best interest at heart, and can help give you peace of mind during a difficult time while maximizing your recovery. Do not hesitate to contact us if you have been in a car accident and need help dealing with insurance companies.