Las Vegas Uninsured and Underinsured Accident Lawyers
What Happens When the Driver Who Hit You Doesn’t Have Enough Insurance?
Finding out the driver who caused your accident has no insurance or not enough insurance to cover your injuries can make an already difficult situation even more frustrating. You may be facing medical treatment, lost income, and other expenses while wondering whether there is enough insurance available to compensate you for what happened. The at-fault driver’s insurance is not always the end of the investigation.
The Courtroom Couple looks for other potentially available sources of coverage, including uninsured or underinsured motorist coverage that may apply under an applicable policy. Kory and Brittany review the insurance issues, investigate the accident, document the full extent of your injuries and losses, and deal with the insurers involved while pursuing the compensation available under the circumstances.
What’s the Difference Between an Uninsured and Underinsured Driver?
The amount of insurance available after an accident can have a major impact on how an injury claim is handled. When the responsible driver has no coverage or their available coverage is insufficient, the focus may shift to other insurance that could apply to the loss.
- Uninsured Driver
An uninsured driver does not have applicable liability insurance available to pay a claim arising from the accident. Depending on the circumstances and applicable policies, uninsured motorist coverage may become an important potential source of recovery. - Underinsured Driver
An underinsured driver has liability insurance, but the available coverage may not be enough to address the full extent of the injuries and losses resulting from the accident. - UM/UIM Coverage
Uninsured and underinsured motorist coverage is designed to provide protection in certain accidents involving drivers who lack sufficient liability coverage. Whether coverage applies depends on the policy and circumstances of the collision. - Coverage Still Has to Be Established
Having UM/UIM coverage does not necessarily mean every issue disappears. Questions can still arise about responsibility for the accident, the extent of the injuries, the value of the claim, and the coverage available under the applicable policy.
What Does It Take to Build an Uninsured or Underinsured Motorist Claim?
An uninsured or underinsured motorist claim can feel confusing because you may be seeking benefits through an insurance policy that was supposed to protect you. But the claim still needs to be supported by evidence showing how the accident happened, who was responsible, what injuries resulted, and the extent of the losses you are seeking to recover. The language and coverage available under the applicable insurance policies also need to be carefully reviewed.
The Courtroom Couple approaches these cases from both sides of the problem: proving the accident claim and investigating the available insurance. Kory and Brittany examine the collision, review potentially applicable policies, identify available coverage, document your medical treatment and financial losses, and handle communications with the insurance companies involved. When the available coverage or value of the claim becomes disputed, they work to develop the evidence needed to pursue the matter further.
Investigate the Accident
Develop the evidence necessary to establish how the collision occurred and responsibility for your injuries.
Review the Insurance Coverage
Examine potentially applicable policies and determine what sources of coverage may be available.
Establish the Full Value of the Claim
Document medical expenses, lost income, physical limitations, pain and suffering, and other applicable losses rather than allowing the claim to be defined solely by the other driver’s insurance limits.
Pursue Available Benefits
Present and negotiate the claim with the appropriate insurers and pursue further legal action when necessary.
Explore Your Options When Insurance Coverage Falls Short
An accident with an uninsured or underinsured driver can make an already difficult situation even more complicated. The Courtroom Couple can investigate available insurance coverage, review the circumstances of the crash, and help determine your options for pursuing compensation. Contact Kory and Brittany Kaplan today to schedule a free consultation and discuss your uninsured or underinsured motorist accident claim.