WHAT TO DO IF SERIOUSLY INJURED AND OTHER DRIVER DOESN’T HAVE ENOUGH INSURANCE – MN ATTORNEY
Many of the car accident cases our top MN lawyers handle every year involve serious injuries with extensive medical bills. Oftentimes, the other driver and owner of the vehicle who caused the crash does not have nearly enough insurance to pay for everything. 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.
The underinsured auto insurance available to a person in a serious car accident is the coverage for the vehicle they are in at the time of the crash. So, if you are a passenger in another person’s car that is in an accident that is another vehicle’s fault, 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 because of the other driver, if the other driver doesn’t have enough insurance, the underinsred 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, then the underinsured coverage would come from your auto insurance. There are also some situations where there is additional underinsured coverage beyond what is available for the car you are in at the time of the accident. Most commonly, if you have underinsured coverage for your own vehicle or if a relative you live with has a larger amount of underinsured coverage than the amount for the car you were in at the time of the accident, you may be able to collect the difference from your or your relative’s insurance. The analysis of what underinsured coverage is available for a MN crash starts to get a bit complicated, so you are welcome to call us and speak with one for our auto accident lawyers for a more complete understanding of your particular situation.
Our car accident attorneys also handle serious injury cases every year where ALL the auto insurance from every involved vehicle 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. We are often able to negotiate with the hospitals, doctors, and other medical providers so that all the medical bills can be paid, and some of the insurance money can go to our client for other compensation like lost wages and pain and suffering.
Pam Rochlin and David Rochlin, and our team, have more than 25 years’ experience representing 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.