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Protection Against Underinsured Motorists: What You Should Know

By Luke Dow on January 29, 2018

When an underinsured motorist causes an accident, it can leave injured parties without sufficient compensation for their medical expenses. This is because the underinsured motorist's insurance policy is only required to pay the maximum of the policy limit, regardless of the total costs of medical treatment. In such cases, legal action may be necessary to hold uninsured parties who are at-fault liable for their negligence and ensure those who have been injured are justly compensated. At Luke Dow Law Firm, our auto accident attorneys are experienced in obtaining the maximum compensation in uninsured settlements. Fortunately, there are measures drivers can take to protect themselves from underinsured motorists. Our attorneys would like to take a moment to explain some options when seeking protection against underinsured motorists in Austin, TX.

A crashed car

Protect Yourself with Underinsured Motorist Coverage

The best way to protect yourself from underinsured motorists is to purchase coverage from your own insurance company to cover you in the event of an accident caused by an underinsured driver. Without underinsured motorist coverage, you could be left paying excessive medical costs that the at-fault driver's insurance simply will not cover.

If you are not sure if your current insurance plan includes underinsured motorist coverage, it is recommended that you contact your insurance agent to ensure you and your family are protected.

Understanding Underinsured Motorist Coverage

Underinsured motorist coverage is insurance that motorists may purchase to protect them in the event they are in an accident caused by an underinsured driver.

When a person who is underinsured causes an accident, his or her insurance company will only pay the amount the at-fault driver's coverage allows. This can leave injured parties shouldering the brunt of their medical expenses. In situations where an at-fault driver is completely uninsured, there will be no insurance payments from the at-fault driver, resulting in an even greater financial burden on injured parties.

Obtaining underinsured motorist coverage can help compensate those who have been injured when the at-fault's insurance limits of coverage are not sufficient to cover medical expenses and other damages.

An Auto Accident Attorney Can Help

Unfortunately, sometimes getting compensation from an underinsured motorist coverage policy can be difficult. Claims may need to be filed within certain time limits and other constraints or a claim may be denied, even when all payment premiums have been made.

Additionally, even with underinsured motorist coverage, many insurance companies will require a series of negotiations before providing any compensation for injuries and damages. Sometimes an insurance company will not come to an agreement over the amount of compensation the covered individual should receive for his or her injuries. In such cases, legal proceedings may be necessary to ensure the insurance company provides fair compensation.

An experienced auto accident attorney can help those with underinsured motorist coverage through negotiations with their insurance company and any legal proceedings that may arise. Seeking the assistance of an auto accident attorney can ensure that you receive the compensation that you deserve.

Contact the Luke Dow Law Firm

If you or your loved ones have been injured in an auto accident caused by an underinsured motorist, the attorneys at Luke Dow Law Firm can help you get the compensation you deserve. To learn more about your legal options, you are encouraged to schedule a consultation today.

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