Horn Lake Uninsured and Underinsured Motorist Claim Lawyer

To use roads in most states, drivers must meet their state’s minimum required amount of auto insurance coverage. Refusing to do so can cause other drivers to face significant complications when accidents occur. Fortunately, many insurers sell uninsured and underinsured motorist coverage that protects them when they are hit by a driver who does not have enough insurance to pay for the damage they have caused. 

Though, sometimes insurers look for ways to pay as little as possible when car accident victims attempt to make an uninsured and underinsured motorist insurance claim. That is why you need a personal injury lawyer in Horn Lake to support you throughout the process. Before moving forward with your claim, contact Gatti, Keltner, Bienvenu & Montesi PLC to schedule a free case evaluation. 

Making an Uninsured and Underinsured Motorist Claim

Some drivers have no insurance, while others simply do not have a significant amount of insurance. In either case, they do not have enough coverage to pay for damages that they cause in accidents. Similarly, they may not have the personal assets needed to compensate you for your losses. 

So, instead of going directly after them for compensation, you can make a claim with your uninsured and underinsured motorist insurance. Sure, you could attempt to sue the driver instead, but to what end? If they do not have the resources needed to afford adequate insurance, there is very little chance that they can afford to pay you compensation. Most of the time, any lawsuits against them will be filed by your insurance company, rather than you filing directly. 

Your insurance policy exists to offer you financial safety when you are involved in an accident that was caused by a driver who does not have the correct amount of insurance coverage. Having this insurance is certainly beneficial, but when the time comes to make a claim, you may notice that the process is not always as easy as you would expect. Because insurance providers often attempt to minimize their losses, you will likely need a Horn Lake uninsured and underinsured motorist claim lawyer to negotiate for a reasonable benefits payment.

How Uninsured and Underinsured Motorist Insurance Works

If the driver who is at fault in an accident does not have the amount of liability insurance coverage needed to pay for your damages, you can use your uninsured and underinsured motorist insurance to get the money you need. Having this type of coverage keeps you safe from needing to pay for damages out-of-pocket in accidents that you did not cause. 

For example, if you get hurt in an accident that you were not at fault, usually the next step would be to submit a claim against the other driver’s insurance provider. The money recovered through that claim could be used to repair your vehicle, pay any associated medical bills, and take care of other expenses related to the accident. Afterward, you would hopefully have no expenses that must be paid out-of-pocket. 

While this would be ideal, the unfortunate truth is that many drivers use the roads without carrying the proper level of liability coverage. Therefore, you will not be able to collect the compensation you deserve from them directly. Instead, your uninsured and underinsured motorist policy must be leveraged to mitigate the losses associated with the accident. 

Uninsured and Underinsured Motorist Insurance Benefits

Uninsured and underinsured motorist insurance is normally divided into two different categories. They are:

Bodily Injury Coverage

With bodily injury coverage, you are protected from expenses associated with physical injuries you incur in an accident with an uninsured or underinsured driver. Some damages that can be claimed through this component of the policy include medical bills, lost income, emotional distress, and pain and suffering. There are also other economic and non-economic losses that you may be entitled to compensation for. 

Property Damage Coverage

When your vehicle is damaged in an accident with an uninsured or underinsured motorist, the property damage coverage component of your policy will protect you from certain losses. Usually, claims will pay out enough money to repair or replace your vehicle following an accident. 

Why Do You Need a Lawyer?

You may assume that getting the money you need is simple because you have been paying for uninsured and underinsured motorist insurance, but keep in mind that the insurance company makes money by charging more than they pay out in claims. Understanding this, you can see why they would strive to give you a minimal amount of compensation for your losses. 

Having a Horn Lake uninsured and underinsured motorist claim attorney supporting you will help you navigate the claims process effectively and get the money you need to afford your losses. Without help, you may struggle to comprehend the insurance company’s tactics and end up taking less money than you deserve. 

Instead of taking that risk, have a capable attorney represent you in your claim. Doing so may increase your chances of obtaining a favorable outcome. 

Recovering the Compensation You Deserve

Car accidents can lead to massive medical bills and many missed working hours. If the accident was not your fault, stomaching these losses can be incredibly frustrating. Fortunately, you had uninsured or underinsured motorist insurance coverage at the time of the accident. 

By making a claim with your insurance provider, you should be able to get the money you need. Just remember that paying you the maximum amount of compensation is not the insurance company’s priority. Instead, they will push to give you the minimum. To keep that from happening, have our talented uninsured and underinsured motorist claim attorneys in Horn Lake negotiate on your behalf. 

By collecting evidence that supports your damages, they will push to recover a reasonable amount of compensation from the insurance company. To start out with a free case evaluation, use the contact form on this page to reach out.