For the most part, the
purpose of auto insurance is to ensure that the parties involved are protected
financially to a certain extent. There are ways of receiving compensation if you are
injured by an under insured or uninsured driver. There are different ways of dealing with the problem
and your accident lawyer will be the best person to figure out a perfect way
for you to get some monetary relief.
Uninsured Driver Coverage
Accident lawyers in
Charlotte, NC say that if you have sustained injuries due to negligent driving
by an uninsured driver then you must turn to your own uninsured driver coverage
for compensation. There is no point wasting time in filing a lawsuit against
the driver because uninsured drivers usually do not have any substantial money
or assets to compensate you.
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| You do not want to make insurance companies your enemy but if your accident lawyer in Charlotte, NC says they owe you money, you need to go after that money to make yourself financial whole again and perhaps then some. |
But this does not mean
you should not leave any stone unturned. Uninsured drivers should be punished
and if they are illegal aliens, they should turned over to ICE.
Underinsured Driver Coverage
What happens when you
discover that the driver does not have enough insurance to compensate you for
your medical expenses and your income loss? You can claim the extra amount from
your own underinsured driver coverage. However, your underinsured driver coverage
should exceed the primary policy limit of the at-fault driver.
For example, if your
damages are worth $200,000 but the underinsured driver has a policy coverage of
$100,000, then you will only be able to claim from your insurance if your
underinsured driver coverage is more than $100,000. If you have $150,000 as
underinsured driver coverage then you can claim $100,000 from the driver and
$50,000 from your underinsured coverage.
You cannot claim
$100,000 from your coverage. This means that you can take only the amount that
exceeds the coverage limit of the at-fault driver. Accident attorneys in North
Carolina have also point out that your underinsured driver coverage should be
less that primary policy coverage.
The nuts and bolts of
this process is not simple. No one ever said it was. But this website is pretty
straightforward, it is Accident.USAttorneys.com.
And there is nothing more clearer than the fact that you need legal help.
The Process of Claiming Uninsured Driver Coverage from Own
Insurer
As soon as you learn
that you will not receive any compensation for damages from the uninsured
at-fault driver it is important to contact your insurer immediately. Insurance
claims must be made within 30 days of the accident and most insurers adhere to
strict guidelines. If the negligent party claims that he or she does not have
insurance or refuses to divulge insurance information or if you are unable to
trace the driver’s insurer in any other way then call your insurance provider
and inform them of the situation right away.
According to Charlotte,
NC accident lawyers an underinsured driver claim is different because you will
only know the extent of your expenses after you complete your treatment. It is
only then that you may discover that your medical expenses and loss of income
has exceeded the at-fault driver’s cover limit. Therefore, in such a situation
you have no way of knowing that the driver is underinsured. But as soon as you
learn about the fact inform your insurer right away.
Other than the fact
that you are basically claiming insurance from your insurance company the
process of filing a claim is similar. You will disclose all the documents
pertaining to your treatment and income loss and your insurer will reimburse
you and there will be an investigation into your claims. The only difference is
that you are prohibited by law to file a lawsuit against your insurer.
Instead you will have
to attend arbitration and if you lose you cannot appeal as the decision of the
arbitration is final. Just like in the movie Heat when Neil McCauley invaded
the hotel room of Charlene Shiherlis and told her to give her husband one more
chance – that was the final decision and the look in his eyes and at his
countenance made that vividly clear.
If you have sustained painful injuries at the hands of a
negligent uninsured driver don’t waste
time in speaking with a North Carolina accident lawyer. Your legal counselor
will identify a way by which you can receive adequate compensation for your
monetary losses. Trust their word. They do this all the time.
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