After an auto accident, the at-fault driver is supposed to give his or her insurance information to the other driver. Since the at-fault driver caused the accident, his or her insurance is responsible for covering the other motorist’s auto repair bills and medical expenses.
Unfortunately, not all motorists carry enough insurance coverage to fully cover the damage he or she causes. Though the individual may carry a state’s minimum liability coverage, this still may not be enough depending on the severity of the accident.
If a driver finds that the at-fault motorist in the accident does not have adequate insurance coverage, he or she may be able to get his or her insurance policy to cover the remaining balance of repair and medical bills.
In order for an individual to be eligible to make an underinsured motorist claim, his or her situation must meet certain conditions. Though these conditions may vary by insurance company, but they typically require:
- The driver making the claim to have underinsured motorist coverage
- The driver making the claim to not be at fault in the accident
- The other driver’s insurance company to not cover the full amount of damage
If all of these conditions are met, it may be possible for drivers to get additional coverage in their cases, protecting them from having to pay large sums to cover the remainder of their expenses stemming from the accident.
In many cases, making a claim can be very difficult, so it is important for individuals to seek legal help when making an underinsured motorist claim. Having an experienced lawyer on your side may increase the likeliness of being granted additional coverage.
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When you find out that the at-fault driver in your accident is underinsured, you may have concerns about paying for additional expenses. If this is your situation, find out how to make an underinsured motorist claim from the Wisconsin insurance claim lawyers of Habush Habush & Rottier, S.C. |
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