Unfortunately not all drivers carry automobile insurance or enough insurance coverage to pay for your expenses if they are at fault in your accident. This is why many people carry uninsured/underinsured coverage. Uninsured/underinsured insurance covers your medical and other expenses if you are injured in an accident and the driver at fault does not have proper coverage to pay your bills. In the event the other driver is not insured, your insurance will pay all your expenses up to your policy limits. If the other driver is underinsured, your insurance company will pay the difference between the other driver’s insurance coverage and your expenses, up to your policy limits. For example, if you sustained $50,000 in damages and the other driver only has $25,000 in coverage, your insurance company would pay you the remaining $25,000.
Because this is a claim on your own insurance, it is up to you to file a claim. It is important to determine at the time if the accident if the other driver has no insurance or very low limits. If so, you should put your insurance carrier on notice that you may file an uninsured/underinsurance claim. Some carriers require you to report the claim within 30 days so it is imperative to move quickly. Once you make a claim, your insurance company will review the claim in the same manner as if you had made a regular claim. Consequently, you should expect your insurance company to review your medical treatment and nature of your injuries to confirm they are valid. If you feel your insurance company is not treating your claim in good faith, you may have a bad faith claim against your insurance company.
As you can see from above, uninsured/underinsured coverage can be a tricky area to navigate on your own. If you have been involved in an accident with an uninsured/underinsured driver and wish assistance with your claim, please contact the personal injury attorneys at 702-522-0696 so we can assist you in evaluating your case.
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My family is incredibly grateful to this firm. The car accident lawyer that we worked with in Las Vegas was about as high quality as I could have hoped for. It was obvious that we were going to win from our first confrontation with the man who ran into me. They really spooked him and his lawyer.
Justin Schmidt
Mr. Richards is the lawyers lawyer. I have seen him represent clients in even relatively minor accidents with the competent aggression and attention to detail most attorneys reserve for more high profile cases.
Nathan Morris
My injury might have bankrupted me if I wasn’t able to collect my lost wages in a civil suit. Clear Counsel represented me for this case, and were the primary reason that I won it. After seeing what they were like in the courtroom, the other side was begging us to accept a generous settlement.
Tina Bruni
Jared was SO great to work with! He was very personable, timely, and completely trust worthy. He did everything in his power to assure us the best possible outcome. He's professional, understanding, and I would recommend him to anyone.
