Legal Options When Hit by an Underinsured Driver
What should you do if an underinsured driver hits you?
Imagine this: You’re driving safely when another car crashes into you. You exchange insurance details, only to realize they don’t have enough coverage to pay for your damages or medical bills. Now what?
Dealing with an underinsured driver can be frustrating, but you do have legal options. From filing a claim with your own insurance to pursuing legal action, knowing your rights can make all the difference.
Keep reading to learn what steps to take and how to protect yourself financially after an accident with an underinsured driver!
Check Your Insurance Coverage
Start by reviewing your auto insurance policy to see if you have uninsured/underinsured motorist (UM/UIM) coverage. This type of coverage can help pay for your medical bills and car repairs if the at-fault driver’s insurance is not enough.
If you have UM/UIM coverage, contact your insurance company as soon as possible to file a claim. Some policies also include medical payments (MedPay) or personal injury protection (PIP), which can help cover expenses. It’s important to understand your policy limits so you know how much compensation you may receive.
File a Claim Against the Driver
If the other driver is at fault, you can file a claim with their insurance company. Their policy may cover some of your damages, but it might not be enough. Be sure to gather evidence, such as photos and witness statements, to support your claim.
If their insurance payout does not cover all expenses, you may need to explore other options. Negotiating with their insurer could help you get a better settlement. If they refuse to pay enough, legal action may be necessary.
Consider Legal Action
If the at-fault driver’s insurance does not cover all your expenses, you may need to take legal action. You can file a lawsuit against the driver to recover additional costs, such as medical bills and lost wages. Legal professionals like Steve Dimopoulos can help you understand your rights and build a strong case.
A lawyer can also negotiate with insurance companies to seek a fair settlement. If the driver has personal assets, you may be able to collect compensation through a court judgment. The legal process can take time, but it may be necessary to cover your losses.
Protect Yourself for the Future
One of the best ways to stay protected is by reviewing your auto insurance policy regularly. Make sure you have enough uninsured/underinsured motorist coverage to handle potential accidents. Consider adding medical payments (MedPay) or personal injury protection (PIP) for extra security.
Keeping an emergency fund can also help cover unexpected expenses after a crash. Always document accidents properly by taking photos and collecting witness statements. Knowing your legal rights can help you make informed decisions if an accident happens.
Explore Legal Options of an Underinsured Driver
Being hit by an underinsured driver can be stressful, but you have options to recover your losses. Understanding your insurance coverage and exploring legal solutions can help you get the compensation you need.
Seeking advice from a lawyer can make the process easier and improve your chances of a fair outcome. Taking steps to protect yourself now can prevent financial hardship in the future.
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