Unfortunately, there may come a time when you’re involved in an accident and you find out the other party could be uninsured or underinsured, as a Car accident lawyer Memphis, TN trusts can attest. What’s the difference? An uninsured motorist is someone who currently does not have insurance, while an underinsured motorist is someone who has insurance but the coverage won’t be enough to pay for the damage. If you get involved in an accident with either, you could have to pay out-of-pocket for any medical or property damage expenses.
There are three options when handling an accident with an uninsured or underinsured motorist:
The first option would be to not take any action and be forced to pay entirely for an accident that was not your fault. This is a poor option since you are already paying for car insurance to ensure that if you were at-fault, you would be responsible to take ownership.
Personal Injury Lawsuit
The second option would be to file a personal injury lawsuit. When a driver is found at-fault for an accident, they are responsible for all the losses that occur from the accident. This could include property damage, medical bills, loss of income, pain and suffering, among others. By contacting a personal injury attorney, like a Car accident lawyer Memphis, TN victims need, you are taking an important step to seeking compensation from the responsible party. We will work hard to ensure the maximum possible outcome for your case.
Uninsured and Underinsured Motorist (UIM) Coverage
A third option would be to purchase Uninsured and Underinsured Motorist (UIM) Coverage. With UIM coverage, you would file a claim with your insurance company and they would be responsible for recouping the money from the other party. Although your insurance company is working for you, their primary interest is getting the claim as quickly and cheaply as possible. Your insurance company may also deny your claim or offer you a settlement that does not cover your expenses. Working with insurance companies can be a daunting task; however, you can have support when dealing with them. An attorney, Car accident lawyer Memphis, TN can count on, can work on your behalf to ensure your insurance company works in your best interest.
Dealing with a car accident is always a frustrating task. The task becomes even more exhausting when the other driver did not take the necessary steps to become properly insured. Contact a Car accident lawyer Memphis, TN victims trust, today and take the first steps to getting the care and compensation you deserve without having to go through this process on your own.