Everyone driving a motor vehicle should have insurance. However, if you have been injured in an accident caused by a driver without insurance, you may have a claim for benefits under your own insurance policy. In situations where the "at-fault" driver does not have any insurance, the "uninsured motorist" benefits under your insurance policy may provide some relief. Even if the driver who caused the accident flees from the scene or cannot be located, your own uninsured motorist coverage may apply. You may also be able to "stack," or apply all of your insurance policies to receive the justice you deserve.
In situations where the other "at-fault" driver has insurance, but that insurance is simply not enough coverage to pay for all the harm you suffered in an accident, you may be able to file a claim under both the other driver's policy AND your own insurance policy through your "underinsured motorist" coverage. Underinsured motorist benefits are often available through your own policy of insurance if the other driver doesn't have enough insurance to pay for all the damage caused by the accident. Both uninsured and underinsured motorist benefits may be available to you through the insurance policies on your vehicle(s), even if the vehicle in which you were riding at the time of the accident was not your own.
Our team of lawyers has experience with uninsured and underinsured motorist claims. For a free consultation and review of your potential uninsured or underinsured motorist claim, contact us today. You can also browse our motor vehicle accident claims case results page to find more information about underinsured/uninsured cases that we have won for past clients.