Personal injury claims can be very challenging, and they become more hard and complex when the at-fault party is uninsured or underinsured. In such cases, you will be confused and struggle to get compensation for the medical bills, lost wages, and other damages.
Filing a claim in such a complex situation of uninsured or underinsured claims can be hard, and you might need a skilled and experienced lawyer who can help you get compensation even when the odds are not in your favor.
Meanwhile, read this article to learn about your rights and the options you have. This can help you protect your rights and ensure that you get the compensation you deserve.
Uninsured and Underinsured Motorist Coverage
Uninsured/underinsured motorist (UM/UIM) coverage is an important part of your own auto insurance policy. When the at-fault party is uninsured or underinsured, your insurance coverage becomes a very important safety net.
Uninsured Motorists and Underinsured Motorists are basically made in a way that they can protect you in such a situation.
As the name suggests, Uninsured Motorist Coverage basically protects you when the at-fault party has no insurance, and Underinsured Motorist Coverage helps when the at-fault party’s insurance is less than the losses caused by them.
These coverages are part of an auto insurance policy, but they might not automatically apply. In such cases, you need a lawyer who can help you check these policies and decide how you should proceed with a claim. They can make sure that your insurance company fulfills its obligations without any delay.
You should keep track of filing deadlines and policy limits. Missing your deadlines can impact you claim badly also, make sure you understand the limit of your UM/UIM coverage.
Possible Legal Actions
If the at-fault is uninsured, then you should consider taking direct legal action. Lawsuits can be complex, and they may not always give you full compensation, especially if the at-fault party is not financially stable or lacks assets.
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Checking At-fault Party’s Financial Condition
It is always better to check and evaluate the at-fault party’s financial ability to pay before you proceed with a lawsuit. Even if the court awards you a judgment, collecting the funds can be hard if the defendant has little to no assets.
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Filing a Lawsuit
Once you have evaluated the at-fault party’s financial status, you can proceed with the lawsuit to seek the compensation you deserve.
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Post-Judgment Collections
Once you win a lawsuit, you have to make efforts to collect your compensation. This generally involves garnishing wages, seizing bank accounts, or putting liens on the at-fault party’s property. All of this requires extra steps and time, but it can help you collect the compensation.
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Getting a Default Judgment
If the at-fault party does not respond to your lawsuit, then the court can give a default judgment in your favor. This can help you in collecting the compensation from the at-fault party.
How A Personal Injury Lawyer Can Help You
In such a complex and tiring situation, you can hire a lawyer. A personal injury lawyer can handle cases where the at-fault party is uninsured or underinsured. They can help you understand the situation and guide you through the legal processes.
They can also help you explore any available alternative options, such as uninsured motorist coverage and more.
Lawyers are skilled and experienced in negotiating with insurance companies as they are well aware of all the tactics used by insurance companies to pay you less or not at all; your lawyer can help make sure that the insurance company fulfills its agreement with you.
Hire A Lawyer Today!
Do not let the complexities of handling an uninsured or underinsured claim bother you. Act fast, seek professional help, and explore all the options that can help you get the compensation you deserve.
