Minnesota Car Accident Attorney
Accidents Involving Under/Uninsured Motorists
Imagine that you have been in a serious car accident that has resulted in extensive damage to your automobile and serious personal injuries. The cause of the accident was the fault of the other driver. When you talk to the driver to exchange insurance information in order to receive compensation for the accident, the other driver tells you they do not have insurance, or has insufficient insurance to cover the costs of this accident.
In a situation like this, many individuals’ first response would be to panic and assume that they will have to cover the total cost of the accident themselves. However, in many cases this is a faulty assumption. Many drivers may have an “uninsured/underinsured motorist clause” included in their personal automobile insurance policy that can help them pay for their damages.
Uninsured/Underinsured Motorist Coverage
To receive uninsured/underinsured motorist coverage, an individual will pay a certain monthly fee as part of their regular insurance premium. In some states, this coverage is required by all policy holders. By paying for this coverage, an individual will be compensated for an accident with an uninsured/underinsured motorist by their own insurance company up to a certain dollar amount pre-determined by the insurance policy.
For a person to receive compensation from his or her own insurance company, the affected individual will usually need to take the driver responsible for the action to court. Once a court determines that this person was at fault for the accident, the court will determine exactly how much the guilty driver is able to pay. Whatever the difference is between total accident damages and the amount that the guilty driver can cover will be the amount provided by a person’s own insurance company.
Accidents involving uninsured or underinsured drivers can be extremely complicated, and so it is important to contact a legal professional immediately if you have been in one of these accidents.
A Minnesota Uninsured Motorist Lawyer Can Help
Contact the Minnesota uninsured motorist lawyers of TSR Injury Law today at 612-TSR-TIME to schedule an appointment with an experienced, qualified legal professional. If you prefer, you may submit our free consultation form.