If you are unfortunate
enough to get injured in a car accident where the at-fault driver is uninsured
or underinsured, you can still recover some money through other means say accident
lawyers in New Castle, PA.
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| Accident lawyers in New Castle, PA know that distracted drivers are plague in our society. |
Recovering claims when the at-fault driver is uninsured
If the driver has no insurance then
legal experts suggest that you refrain from filing a lawsuit. For the most
part, a driver who does not have enough insurance will surely not have
sufficient money to pay for your injuries. The only option is to file a claim
with your own auto insurance company.
Now if Steve (Edward Norton) from the
movie The Italian Job ran into you after he stole the gold then you should be
able to be paid by him without too much of a problem. His car insurance company
would take care of it since he would have car insurance. But the situation is
different if the other driver does not have insurance, you have to find some
other way to be compensated.
Just because they do not have insurance
though does not mean they do not have money. But that would be rare since even
wealthy criminals want to minimize risk. In addition, in regards to Steve, do
not turn your back on him since he is a killer and very dishonest. He is also
unoriginal!
Recovering
damages when the at-fault driver is underinsured
If you suffered damages and injuries in
an auto accident where the driver is liable for your injuries and who does not
have adequate car insurance, you can recover part of your accident insurance claim from your own
coverage and the rest from the at-fault driver’s insurance.
For example, if your claim is worth
$200,000, and the driver’s insurance is worth $100,000 you will be able to
recover your claim only if you have more than $100,000 as underinsured driver
coverage. So let’s assume that you have $150,000 as underinsured driver
coverage.
You will get $100,000 from the driver’s
insurance and $50,000 from your underinsured driver claim. According to
Pennsylvania accident attorneys you cannot claim $100,000 from the driver and
$100,000 from your insurance. Your underinsured driver coverage must never
exceed your primary insurance coverage.
How
to handle claims arising from uninsured and under insured accidents?
As soon as you realize that the at-fault
driver is uninsured, notify your insurer of your intention to file an uninsured
auto accident claim. Many insurers have strict deadlines for filing a claim which
is often within 30 days of the car accident.
In case of underinsured claims you will
not be able to notify your insurance company immediately. You have no way of
knowing if the car driver is underinsured unless you have a comprehensive
assessment of your damages and medical expenses, which will take some time.
However, as soon as it becomes evident you must inform your insurer, suggest
New Castle, PA accident lawyers.
The process involved in these types of
claims is not different from claims made against the driver’s insurer. It
includes a crash investigation, assessment of medical records, and a deposition.
The only difference is that you cannot sue your insurer if you do not agree to
an offer of settlement. You will have to participate in a binding arbitration.
If you are a victim
of a car accident it is important to engage the services of a
Pennsylvania accident lawyer to look into your uninsured or underinsured driver
claims. Often in the latter case the car driver may have sufficient assets to
pay damages while a personal injury lawsuit can be brought against him/her. In
other cases a third party can be held liable for your injuries and made to pay
for your pain and suffering.
Press right here Accident.USAttorneys.com if you need legal
help. Legal assistance is right around the virtual corner.
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