Car Accident Not Enough Insurance Underinsured MN Lawyers



Many of the car accident cases our top MN lawyers handle every year involve serious injuries. Of course, this means extensive medical bills because of the car accident. Unfortunately, the other driver who caused the crash may not have enough auto insurance. In those situations, our attorneys also look at the available underinsured coverage for our injured client.

Underinsured motorist coverage is required by law and comes with every auto insurance policy in Minnesota. Click here to learn more from the MN Department of Commerce Auto Insurance website.


The underinsured auto insurance available to a person in a serious car accident comes from the vehicle they are in at the time of the crash. So, if you are a passenger in another person’s car, the underinsured coverage would come first from the vehicle you were a passenger in. Likewise, if you are driving another person’s car and are injured in an accident, the underinsured coverage would come from the insurance on the vehicle you were in.

The only exception to this is if you are the passenger and the driver of the car you are in is at fault. Again, the driver may not have enough car accident insurance to fully compensate you. In that situation, the underinsured coverage for your injury compensation comes from your auto insurance. There are also some situations where there is additional underinsured coverage. For example, if your own underinsured coverage is more than the car you were in. In that scenario, you can get the difference from your policy. In addition, if you live with a relative who has more insurance, you may be able to collect something from that policy.

The analysis of what underinsured coverage is available for a MN crash gets a bit complicated. Therefore, please call us and speak with one of our best MN auto accident lawyers. We will investigate and explain the car accident insurance for your particular situation.

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Serious Car Accident Injury Lawyer


Our car accident attorneys also handle serious injury cases where ALL the auto insurance is not enough to pay the medical bills or fully compensate our clients. In those situations, we work hard to get the best possible result for our clients. For example, we are often able to negotiate the bills with the hospitals, doctors, and other medical providers. We get the medical bills paid, and make sure some of the insurance money still goes to our client. There must also be compensation for lost wages and pain and suffering.

Pam Rochlin and David Rochlin, and our team, have more than 25 years’ experience. We represent people injured in car accidents throughout Minnesota. If you have a serious car accident injury and the other driver does not have enough insurance or is uninsured, call us for a free consultation. We will discuss your situation in detail with you and make sure you get the best possible result.