CAR ACCIDENT UNDERINSURED COVERAGE

Our car accident lawyers mostly handle cases with very bad injuries. Often, the medical bills are very high and our client is out of work for an extended time. If the car crash is not your fault, you can sue or bring a claim against the other driver’s insurance. Unfortunately, the other driver often does not have enough insurance. Therefore, many of our clients are gratfeully surprised to find out they are also entitled to underinsured coverage from their own auto insurance policy. Underinsured auto coverage can be an important part of your case. In fact, that is something our car accident lawyers often spend significant time on for our clients.

First, of course, people are concerned about their medical bills and future treatment. The initial auto coverage for that comes from your own PIP insurance. However, in most cases, PIP coverage is limited to $20,000 in medical bills and $20,000 in wage loss. Unfortunately, it doesn’t take much to get beyond $20,000 in medical bills. Usually, when your PIP coverage for medical bills is exhausted, your health insurance will take over. Another surprise, however, is that your health insurance will want to be repaid out of your injury settlement with the other case. If the other vehicle’s insurance is minimal, this can create a problem. That is one example of where auto underinsured coverage becomes important.

MN CAR ACCIDENT LAWYERS

To qualify for underinsured compensation, you have to prove the other driver was at fault, and that they did not have enough insurance to fully compensate you. Our car accident lawyers deal with these issues every day. Of course, medical bills are just a starting point for necessary compensation. For example, you may have lost wages because you can’t work. In addition, there is scarring, pain and suffering, and interruption of your life. All of these things can qualify for significant compensation. Therefore, many cases involved underinsured coverage.

If you have been injured in a crash, our car accident lawyers can help. To start, you are welcome to call us for a free consultation. An experienced lawyer will answer your questions and explain your rights. For example, which auto policy pays your underinsured coverage is counterintuitive. There can be several factors involved that require a detailed analysis. We discuss the facts of your case and help you make the right decisions.

You can meet a car accident lawyer at our offices, or we will come to your home anywhere in Minnesota. We also frequently meet clients over Zoom.