The Other Driver At Fault Had a Minimal Insurance Policy But I Suffered Serious Injuries. What Do I Do?

We are finding this to be a more frequent occurrence where the at-fault driver has a minimal insurance policy but our clients have serious injuries. This situation may lead to what is called “underinsured” claim. For example, the at-fault driver may have an insurance policy with only $25,000 in bodily injury insurance coverage. That means that there is only $15,000 available from the other driver’s insurance company. If your own insurance policy has a larger bodily injury insurance coverage, then you are able to make an “underinsured” claim. It is not uncommon for clients to cover at least $100,000 in underinsured/uninsured motorist coverage through their own automobile insurance company. That way, no matter what, you have at least the $100,000 in bodily injury available to you. For example, the other driver having $25,000 in bodily injury insurance coverage, you have a claim against that policy and then try to collect the remaining balance from your own automobile insurance coverage.

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Automobile Accidents

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