How to File an Underinsured Motorist or Uninsured Driver Insurance Claim
When a car crash occurs and the at-fault driver has no car insurance or not enough liability coverage to pay for the bodily injuries and/or property damage caused by the accident, the victim of the car accident may be left to file a claim under their own car insurance policy. These types of claims are referred to as underinsured motorist or uninsured driver.
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We Help Car Accident Victims Hit By an Uninsured Motorist
If you have been in a car accident involving an uninsured motorist then you know the importance of uninsured motorist coverage. This type of car insurance is used when a person is hit by a driver who does not have car insurance and the car crash is determined to be that driver’s fault. As a general rule, the victim doesn’t sue the uninsured driver directly; they make a claim against their own insurance company up to the limit of their uninsured motorist coverage and the amount of their primary coverage. For example, if a driver carries $150,000 in coverage for negligence in a car accident, then they can only claim up to that amount in an uninsured or underinsured motorist claim. Another version of this type of claim is underinsured driver coverage; this is used when a car accident is caused by a driver who carries insufficient car insurance.
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