Uninsured and Underinsured Drivers

Do you have questions about uninsured and underinsured drivers coverage? Watch this video for guidance, then give our office in New York a call today.

Question:

What happens if the driver who hit me was uninsured or had insurance but his insurance is less than my case is worth?

Answer:

Uninsured and Underinsured Drivers Last week, we got a call from a new client. They had been involved in a very bad accident. Their car was very badly damaged, the other vehicle was very badly damaged, and the client was sent to the hospital. He suffered fractures on his face, a broken arm. It was just a terrible accident.

We just learned that the vehicle that caused this accident had no insurance, and that can be a problem. The good news was that our client had insurance under his policy called an uninsured/underinsured motorist endorsement. Most policies have this, but a lot of people don’t know this. If you’re in an accident with someone else and the other vehicle does not have insurance, your own insurance could very well kick in under the uninsured motorist endorsement of the policy. This lets you pursue a claim against your own insurance company for bodily injury. The limits that you’re able to collect would be dependent upon your policy limits. That would be your best option, option number two, if that vehicle that caused the accident did not have insurance.


Were you or a loved one severely injured after being hit by a vehicle in Florida and have questions about uninsured and underinsured drivers? Contact experienced New York Pedestrian Accident Attorneys at the Law Offices of Brian J. Elbaum today for a legal consultation to learn what your case is worth.

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