In our previous blog, we discussed a few examples of auto accident cases involving underinsured and/or uninsured motorists. Here’s another example. You’re injured in a car accident and the negligent driver has an insurance policy that pays you $100,000 and your medical bills are $80,000. That means they don’t have enough insurance to cover your entire claim. Your medical expenses alone have almost exhausted the at fault driver’s coverage. Again, in this case, you would file an underinsured motorist claim with your insurance company.
In the aforementioned situation, you can claim that the money that should have been otherwise paid out by the at-fault driver’s insurance company must be paid for by your own insurance company because you’ve exhausted their coverage. The amount will change on a case-by-case basis and depends on the policy that you have. But this kind of coverage can protect you and your family in the event that a negligent driver has insufficient insurance.
In these kinds of cases, contacting an experienced car accident lawyer in Maricopa County will not only help you in terms of setting the value of your case, but it will also help you find out if there is insurance coverage available that you may not know about. Finding underinsured motorist and uninsured motorist coverage takes the skills of a qualified attorney who knows how to find coverage that may offer additional protection and compensation in case you or a loved one is injured in a car accident.
If you’ve been in a serious accident and you have questions about underinsured or uninsured motorist coverage, it’s time to contact a top personal injury lawyer in Arizona. We can help you quickly determine if any uninsured or underinsured motorist coverage is available. Call us today to schedule a free, no obligation consultation.