Uninsured & Underinsured Insurance Claims
Uninsured Insurance Claims
When a person is injured in a car crash caused by another, but that other person does not have insurance, the injured person may be able to pursue an uninsured insurance claim. Auto insurance policies have many different types of coverage within them. Those coverages can include liability coverage, medical payment, collision and uninsured motorist. Uninsured motorist coverage is insurance for when the person causing you harm does not have insurance. Policy holders pay a premium for their insurance company to effectively step into the shoes of the uninsured motorist and provide you with insurance coverage for your harms and losses.
An uninsured motorist claim proceeds in a similar manner as the claim would against the at-fault (but uninsured) driver. The main difference is that the injured person's insurance company is the named-defendant.
Underinsured Insurance Claims
When a person is injured in a car crash caused by another, but that other person does not have ENOUGH insurance to pay for the harms and losses they caused, the injured person may be able to pursue an underinsured motorist claim against their own insurance company.
For example, suppose Bob only has $25,000 of liability insurance coverage and causes a crash that seriously injures Sally. Bob’s $25,000 of liability coverage is not sufficient to compensate Sally for all of her harms and losses he caused. Fortunately, Sally has $250,000 of underinsured coverage In this example, Sally would have the ability to make a recovery up to $250,000 for her harms and losses.
Underinsured coverage is valuable in that it helps bridge the gap between the inadequate insurance held by the person causing the harm and the true extent of the harm caused.
If you have been injured in a car accident with an uninsured or underinsured motorist, you still have a right to recover damages if you have uninsured motorist coverage. We have been successful in seeking compensation from a client's own insurance company, through the uninsured and underinsured motorist's provisions of the insurance policy.
Call Our Lake County, Northwest Indiana Uninsured & Underinsured Motorist Law Firm Today!
To discuss your concerns in a confidential meeting with one of our Highland auto accident attorneys, please call the firm at 219-440-7550, or contact us by secure e-mail. All personal injury, medical malpractice and workers' compensation cases are represented on a contingency fee, meaning that you pay no attorneys fees until we win.