If you’re involved in an accident with someone who carries only minimal auto insurance — or no insurance at all — you may feel it will be impossible for you to recover the expenses you face.
But in fact, your own auto insurance policy may contain provisions covering an accident with uninsured motorists (those who have no insurance at all), and underinsured motorists (those who carry only the bare minimum of insurance required — which is often inadequate to cover the damages you’ve suffered).
Policies with these provisions may cover:
• Medical bills resulting from injuries you’ve suffered
• Lost wages because you’ve been unable to return to work
• Loss of future earning capacity due to your injuries
Check your auto insurance policy to determine if it contains these provisions. This is coverage you’ve paid for as part of your insurance premium. If you’re in an accident involving this kind of motorist, you have the benefits you’ve paid for coming to you.
Unfortunately, your insurance company may not always be willing to give you what you deserve and have paid for. They may try to reduce your claim, or deny it altogether.
Uninsured and underinsured motorist claims can be complex. An experienced injury attorney will make sure your insurance carrier treats you fairly and lives up to the full provisions of your policy.
If you’ve been involved in an accident in which an uninsured or underinsured motorist is at fault, don’t settle for anything less than what you deserve. Contact the attorneys of Green Haines Sgambati for a free consultation.