Uninsured and underinsured motorist claims occur when there is a crash involving automobiles, motorcycles, trucks, or semi-trailers and the driver responsible for the crash does not have insurance (uninsured), or the driver responsible for the crash does not have enough insurance to pay for the damages (underinsured).
Injuries sustained in these types of crashes can be serious and even life changing. Because of the high cost of medical treatment when someone has suffered a serious injury, insurance companies often do not cover the full value of damages.
When a crash occurs and the responsible driver is either uninsured or underinsured, you will usually have to rely on your insurance company for coverage of your expenses. Often, insurance companies will resist paying your claim and you may find yourself struggling to make ends meet.
Our firm has extensive experience handling uninsured and underinsured motorist claims and we are committed to doing all we can to help our clients recover.
In most states, the law requires that auto insurance policies contain uninsured and underinsured motorist coverage that will provide coverage up to a designated amount if you receive injuries caused by an uninsured motorist, an underinsured motorist, or hit and run driver. Uninsured and underinsured claims are highly technical in nature.
Before you can use your underinsured coverage, you must fully exhaust the other driver’s insurance minimum liability limits. Before you can qualify for underinsured benefits, you must notify your insurance company of the responsible insured’s insurance settlement offer.
Prior to accepting any settlement offer from your insurance company, you should consult with an experienced Indiana uninsured and underinsured motorist claims attorney. Call Langer & Langer at (866) 203-0595 to schedule an initial consultation today.