Injuries and damages sustained in a car accident can be severe. You may have to face costly medical treatments, might be disabled, and not be able to return to work for some time. When you file a claim against the at-fault driver, you might find yourself in a situation where he/she doesn’t have insurance or has insufficient coverage.
In order to receive the compensation that you’re owed, you need to file an uninsured (UM) or underinsured (UIM) claim. These types of claims are filed with your insurance company. Uninsured or underinsured claims can be complicated, so having an experienced accident lawyer to help you out is always a good thing.
What is uninsured and underinsured insurance?
Uninsured motorist coverage aims to provide compensation for your accident-related medical expenses and other expenses in case the at-fault driver has no coverage or if you’re in a hit-and-run accident (when they can’t find out who the at-fault driver was).
Underinsured motorist coverage, on the other hand, provides compensation for your medical bills and expenses if someone else is at fault for the accident, but he/she doesn’t have sufficient coverage to cover all the expenses and injuries.
Why hire an experienced lawyer for your UM or UIM accident claim?
When drivers involved in a car accident are insured, filing for compensation is much simpler than when the at-fault driver is uninsured or underinsured. This makes the entire process more complicated. To recover appropriate and fair compensation, you need to have a knowledgeable and experienced legal team on your side.
Pursuing a claim without a team of experienced car accident attorneys is difficult, and insurance companies, even your own, might take advantage of you since you’re not familiar with the process and technicalities. In the end, this can leave you with a less-than-favorable outcome, and you might not get the compensation you need and deserve.
Attorneys at Schenk Podolsky have extensive knowledge and experience in personal injury law like uninsured and underinsured claims. If you need further information or help with your accident claim, contact us today and schedule a free consultation.
Area of practice
Being in town means we can provide our clients with extensive legal knowledge in personal one-on-one atmospheres. The client always comes first with our personal injury attorneys. Let us help determine the next steps for you and your family.
4140 E Baseline Rd, Suite 101
Mesa, AZ 85206-4677