Most drivers are adequately insured but not all. In fact, some of the more dangerous drivers are not. Maybe they have had multiple DUIs; most insurance companies will not insure such a high-risk driver or if they do it is for low amounts of insurance. In such a case, most people have uninsured motorist coverage and underinsured motorist coverage.
If the driver is uninsured, your uninsured motorist coverage should apply to the crash. If the driver does not have adequate coverage, your underinsured motorist coverage should apply.
If you have been in a car accident and the driver was either uninsured or underinsured, then these coverages are important. An experienced personal injury lawyer will help you analyze what coverage is available and help you navigate these insurance coverages with the insurance company.
The insurance company is supposed to help you understand these coverages, but they do not always do so. If it does not honestly and forthrightly explain coverages to you, then it likely is acting in bad faith. Even though the insurance adjuster is supposed to act in good faith, they often do not.
Whether you are seeking underinsurance coverage or uninsured motorist coverage, these coverages should help with medical expenses, wage loss, pain and suffering, and changes to your life.
If the insurance company does not treat you fairly and honestly, then an experienced lawyer should be able to remedy such wrongful conduct. The lawyer you choose makes a difference.
Simply put, the difference between uninsured and underinsured motorist insurance coverage is a function of whether the driver has insurance versus not having enough insurance to cover your claim. With underinsured motorist coverage, you normally first make a claim against the negligent driver’s insurance company, and after they pay the liability coverage, you then make a claim against your insurance company. If the driver is uninsured, then you make an insurance claim against your insurance company. An experienced lawyer knows how to navigate these claims.
If you have questions about uninsured motorist coverage or underinsured motorist coverage call Bidegaray Law Firm, LLC today at (406)522-7744 or email us. We can help.
Call us now: 406.522.7744