When you get into a car accident and the other driver is at fault, you believe that your injuries will be covered by the other party’s insurance. But what if that person doesn’t have insurance? Or, if the driver does have insurance but not enough to cover your expenses? You may be worried and anxious about how to pay your bills. What should your next steps be?
Being a victim of any type of auto accident can be a stressful and straining time in your life. But when you discover your car accident was caused by an uninsured or underinsured driver, you may be angry and not sure what to do next. For the Scranton car accident lawyers at Munley Law, this is a scenario that can happen all too often. It is the legal responsibility of every Pennsylvania driver to have car insurance. But when you get into an accident with someone who does not follow the law, our attorneys will aggressively represent your rights to make sure you get the compensation that you deserve.
Filing an Uninsured/Underinsured Motorist Accident Claim
After getting into an auto accident with an uninsured or underinsured driver who was found at fault, you need to make a claim under the uninsured motorist provisions of your policy. This coverage will pay your medical bills and any property damages in the event the at-fault driver does not have insurance.
But what if the at-fault driver does have insurance but not enough to cover the damages? Then you can rely on your underinsured motorist coverage. This coverage is designed to fill in the gap between your accident expenses and the coverage limits of the at-fault driver’s policy. So for instance, if you have a $20,000 medical bill, and the at-fault driver’s coverage has a limit of $15,000, then you will have to make a underinsured motorist claim with your policy to make up the difference.
Watch Out for Bad Faith Insurance Tactics
Let’s say the insurance will only pay so much. What are your next steps? Well, you do have the option to sue the at-fault driver. However, chances are if he/she doesn’t have insurance, then that person will not have the financial resources available to settle your claim. However, you may want to take another look at your insurance company.
Insurance companies want to settle your claim for the lowest amount it can possibly offer. Unfortunately, these companies may not act in your best interests. For example, let’s say you get into a hit and run accident. The other driver is clearly the one at fault and does not have insurance. You submit an uninsured motorist accident claim to your insurance company. Yet, after investigating the claim, the insurance adjuster says you were the one at fault for the accident and denies your claim. This may be a case of bad faith insurance. Take a look at this page to learn more about bad faith insurance claims.
Get Help With Your Uninsured Motorist Accident Claim Now
Making out a claim after car accident is never an easy situation, especially if you are not found at fault. And with an insurance company that refuses to pay you what you need, the situation can be even worse. For more than five decades, the Scranton car accident lawyers at Munley Law have been fighting for their clients’ rights against the insurance companies. We work hard to make sure you get the compensation that you deserve following an accident.
If you’ve been in an auto accident with an underinsured or uninsured motorist, get help now. Contact Munley Law now for a free consultation.