Uninsured or Underinsured Motorist | Romanucci & Blandin
Unfortunately, there are many drivers who disregard the requirements of motor vehicle insurance, cannot afford insurance, or do not have sufficient insurance. Any injury resulting from an accident with a driver who does not have liability coverage is covered under uninsured motorist insurance. Underinsured motorist coverage will pay for injuries resulting from an accident where the driver has liability insurance; Although it is limited to being lower than the injured person’s underinsured motorist coverage limits. You need to contact a personal injury law firm right away if you have been in an accident involving an uninsured or underinsured driver to ensure that your legal rights are not waived.
Uninsured and Underinsured Motorists
Uninsured motorist coverage will generally protect an injured driver if the driver who was at fault has no insurance. This coverage may also be applicable in hit and run car accidents with an unidentified vehicle. Underinsured motorist coverage compensates for at-fault drivers who do not have enough insurance to cover the injured parties’ injuries. Underinsured motorists have typically purchased only the minimum policy that the law requires.
How to Collect Your Benefits
It will need to be established that the uninsured or underinsured driver was at fault in order to collect any benefits. Secondly, it must also be established that significant injuries resulted from the accident. With underinsured motorist benefits, the person who was injured has to also collect the at-fault driver’s policy limits before they can collect from their own policy. Insurance companies usually get a credit for any recovery that they receive from the underinsured motorist’s policy.
If you are involved in an accident with an uninsured or underinsured motorist, you should contact RB Law, the experienced personal injury law firm, to help handle your case. It can be difficult to navigate through the legal process without obtaining our expert advice.
Free Consultation with a Chicago Motorcycle Accidents Lawyer
If you have questions regarding your motorcycle injury case, contact us today for a free consultation at (312) 458-1000, 24 hours a day, 7 days a week.
You pay nothing unless we win your case.