Many have heard of “uninsured” motorist coverage, but there are probably just as many who have never heard of “underinsured” motorist coverage. Underinsured motorist claims are very important for individuals who sustain major injuries from having automobile crashes with drivers who fail to carry a sufficient amount of insurance to cover the damages that they bring about. A qualified Decatur auto accident attorney can help you sort out coverage of your damages.
What is Underinsured Motorist Coverage?
Generally, when you purchase full coverage for your own vehicle, uninsured motorist coverage is also included as part of that. The coverage gets activated whenever you are involved in an accident with a driver who doesn’t carry enough insurance to cover the damages caused and has lower limits of liability than your underinsured motorist coverage. Whenever that occurs, your coverage jumps in where the underinsured motorist’s coverage falls short and pays the damages to which you are entitled, up to the limits specified by your policy.
Making a Claim
It is highly recommended that any individuals who have a legitimate basis for pursuing an underinsured motorist claim (like in the case of those who have suffered severe injuries) seek the services of a knowledgeable auto accident attorney right away. He or she will be able to help you wade through the intricacies of such claims to ensure that you receive the just compensation that you deserve. You should also note that you are allowed to make an underinsured motorist claim even if you are hurt when you are not in the specific vehicle for which the insurance coverage was purchased at the time. Further, even if you are a pedestrian who gets hit by an underinsured motorist or if you’re a passenger in the underinsured motorist’s vehicle at the time of the accident, you are still covered.
Get the Job Done Right – Hire an Attorney
More often than not, those individuals who have reason to pursue an underinsured motorist claim are those who have suffered very serious injuries. At the time, such individuals may not be able to handle all the technicalities that must be dealt with in order to make an underinsured motorist claim. That is why it is crucial that you employ the services of a good Decatur automobile accident attorney who can ensure that your rights are preserved. Call John Cannon today at 1-800-373-6050 for a free consultation regarding your claim.