Uninsured/Underinsured Motorist Claims
One category of motor vehicle accidents involves cases where the negligent party has no insurance or too little insurance to adequately compensate the injured party.
In the case of the uninsured motorist, the injured victim may present a claim for personal injuries under their own automobile policy if the injured party purchased the coverage. Although the claim is made under the injured party’s own insurance policy, in most cases, legal representation is beneficial to the injured party.
In the case of the underinsured motorist, the injured party may present a claim for additional compensation if the recovery from the negligent party was inadequate. Like uninsured motorist coverage, underinsured motorist coverage is optional and must be purchased. The injured party has the burden of proving that his or her injuries have value over and above the compensation received from the negligent party’s insurance company.