Sometimes when a crash happens, the bad driver who caused it does not carry insurance, or not enough insurance. When that happens, if you have been injured, you will need to make a claim against your own insurance. You should file a claim, even if you were not at fault. This is because when you pay your insurance premiums every month, you are paying for Uninsured and Underinsured Motorist Coverage in addition to all the other coverage you have on your car, truck, or SUV.
This will not cause your rates to go up, and will not cause you to lose your insurance coverage. We ask our clients to let us know if either of those things every happen in response to an uninsured or underinsured motorist claim, and it has never happened. Our office has handled thousands of claims over the years.
Importantly, even if the other driver’s insurance company is offering you its policy limits, you will still have an underinsured motorist claim against your own policy. It is also possible that an attorney may be able to find more policies to cover your injuries. It is worth the call, since the initial consult is free and we will be able to tell you whether we think you need an attorney or not, and why. If we do not think you need us, we will tell that too.
Let Us Help You
If you have been injured and you are not sure what steps to take next, call us. We can help.