Car accidents or collisions in which the driver at fault does not have enough insurance to cover his part in the ordeal introduce more significant complications. It is important to approach the situation methodically because such scenarios require a deep understanding of legal and insurance frameworks, The Baer Law Office can help here.
Before we proceed in this blog, it is important to understand the difference between uninsured and underinsured motorist coverage (UM). UM applies when the driver has no insurance, and underinsured motorist coverage (UIM) applies if the driver’s policy does not offer sufficient protection. Both coverages are meant to shield victims from financial losses that would otherwise be unrecoverable.
Why Is It Important?
Understanding the importance of the two concepts is because they will let you know what the claims they cover. Here are the following things that are included in the coverage:
- Inadequate Coverage: Lack of coverage can result in the following problems;
- High Medical Bills: A car accident injury could impose significant medical bills. Medical bills are often expensive, and an unfortunate accident with a lot of injuries can cost a deadly amount of money.
- Repairs: Repairing a vehicle is also very expensive, but they will pay for your vehicle repair when you have insurance.
- Legal Hassle: Dealing with legal complications can be tiring and exhausting. It is the reason why you need a lawyer. It is explained better below.
Why Do You Need an Attorney?
Here are ways an experienced lawyer can help you with uninsured or underinsured drivers:
- Assessing Your Case: The lawyer will check the police reports, medical records, and other relevant information to determine the full damages and injuries. Analyzing this assessment helps one make well-informed decisions.
- Negotiating with Insurance Company: The lawyer is responsible for negotiating with insurance companies to get the claim you deserve and nothing less.
- Alternate Forms of Payment: Your lawyer will investigate other potential sources of compensation if the driver is uninsured or underinsured. It might include:
- Your Insurance: The lawyer will help you obtain the necessary details to file a claim.
- Lawsuit: The lawyer can also decide if you should file a case against the driver. In that case, you will also receive money if the court decides the driver was at fault.
- Counting the Injuries: It is important to put a specific amount on every way your injury has impacted or will impact you in the future so that an insurance carrier, or even a jury, can provide adequate compensation. An attorney will consult with medical experts, financial analysts, and other professionals to determine the medical expenses, lost wages, and damage due to injuries and wounds.
- Handling Legal Procedures: A legal procedure is so complex that you can not handle it without a lawyer. There are hundreds of laws to ensure the protection of every individual in the state, and abiding by each one and presenting a case is not easy for someone not from a legal background.
Conclusion
The intimidating nature of being involved with such a driver can be handled much better when one has legal representation. An experienced attorney will help you navigate the maze of laws, engage insurance firms in dialogue to get you fair compensation, and consider other possible avenues of redress. Knowing what car accident lawyers do and approaching them for support makes it possible to reduce the impact of accidents and solve them fairly.
