If you have been injured in a motor vehicle accident (MVA) caused by an uninsured or underinsured motorist, will you be covered? You will—if you have uninsured/underinsured motorist coverage protection in your own insurance policy. Even if you believe you do not have uninsured/underinsured motorist coverage, that is probably not the case. Under Indiana law, you must have explicitly declined this coverage in order to remain uninsured. Before waiving your rights to this coverage, it is wise to consult with an experienced insurance attorney. Your insurance company is looking out for its own interests, not yours.
At Doehrman Buba, our Indianapolis insurance attorneys know how to access uninsured and underinsured motorist coverage for people who have been injured in car accidents. We are dedicated to helping you obtain compensation for your medical bills, lost wages, and other losses.
What Is an Uninsured or Underinsured Motorist Claim?
Uninsured motorist coverage can pay for damages if you or someone in your car has sustained injuries during an accident caused by an uninsured or underinsured motorist. Uninsured motorist coverage also comes into effect when you or someone covered under your policy of insurance is injured by a hit-and-run driver.
If the negligent driver had insurance, but only minimum coverage, underinsured motorist coverage can fill the gap between that driver’s coverage and the actual damages. For instance, if the negligent driver had $30,000 in liability coverage, but your actual damages totaled $100,000, your underinsured motorist policy would provide coverage to you for the $70,000. However, your insurance company will often contest the nature and extent of your injuries and whether you are entitled to any damages above the coverage of the negligent driver.
Our Indianapolis insurance attorneys have extensive experience handling auto accident claims and know how to handle insurance disputes for our clients. We will put our skill and experience to work for you to help you obtain compensation from all available sources.
You Need an Advocate against an Uninsured/Underinsured Motorist
Most people who are hit by uninsured drivers call their own insurance companies, figuring their own insurance will be on their side to help them get the compensation they need.
The insurance company is not on your side in these cases, however. When you file a claim with your insurance company after an accident caused by an uninsured/underinsured driver, your insurance company will no longer be looking out for your best interest. The company actually steps into the shoes of the uninsured or underinsured driver and looks for ways to minimize or deny their own policy holders’ claims. The other driver, that driver’s insurance company, and your insurance company all have the same goal: pay the least amount of money possible. Thus, if you are injured in a crash with an uninsured or underinsured driver, you need an attorney at your side, like the accident lawyers at Doehrman Buba.
Your personal injury attorney is the only one who will protect your interests. Our experienced Indianapolis car accident lawyers of Doehrman Buba have a wealth of experience protecting the rights of accident victims and finding the compensation our clients need after being injured by uninsured/underinsured drivers.
Call Doehrman Buba Before You Negotiate
If you or someone close to you has been injured in a car accident caused by an uninsured driver, we are here to help. Contact our Indianapolis personal injury attorneys online or by telephone at (317) 844-9999 for a free consultation.