Being unexpectedly hit by a negligent driver can be devastating for the lives of victims. It can be even more devastating when the victim discovers that the negligent driver that hit them is either an uninsured motorist or underinsured motorist. What may have started out as injuries, medical expenses, lost wages and emotional trauma, may become more complicated when an uninsured or underinsured motorist is involved.
In general, victims of car accidents may pursue a personal injury claim for damages to seek compensation for their medical expenses, lost wages and pain and suffering. Insurance companies are commonly involved in the process. When the negligent driver the claim is brought against is underinsured or uninsured, injured victims can rely on their uninsured or underinsured motorist insurance policy. While drivers are required by state laws to carry a minimum amount of insurance, they do not always which can leave victims vulnerable.
The victim can make a claim for damages on their uninsured motorist or underinsured motorist insurance policy coverage when an uninsured driver is responsible for the accident; when the driver responsible for the accident is underinsured or the insurance company pays too little to compensate the victim for their damages; or they have been involved in a hit-and-run accident.
As always, the personal injury legal process can help victims recover compensation for the physical, financial and emotional injuries suffered in a car accident. Because an uninsured or underinsured motorist claim can be challenging at times, trained guidance is useful to help ensure the victim receive the compensation they need to help with the damages they have suffered.