How Do Underinsured Motorist Claims Work?

by | Oct 24, 2017 | Personal Injury Lawyer

For those in Florida, accidents happen often. In some cases, they involve underinsured motorists. These are motorists that have some liability insurance but lack enough of it to meet the needs of the loss they’ve caused. When this happens, it can lead the driver, who did not cause the events at all, with a pile of medical bills and limited funds to cover them. PIP insurance can help, but having underinsured motorist coverage is also important here.

What Can Happen
You’re involved in an accident that is caused by another driver. The other driver has insurance, but the policy is limited. Your medical bills, property loss, and pain and suffering could not be met under that policy. The insurance company will provide a settlement, but only up to the amount of the policy. What happens with the rest, then?

If you have underinsured motorist coverage, a separate policy from your PIP insurance, you will get compensation for your claims up to the limits of your policy. This provides far more protection for you.

It is important to remember that PIP insurance helps to cover you when you are in an accident. It can cover losses such as lost time at work and medical costs. It is there to provide you with help.

However, these situations are very complex and working with an attorney specializing in PIP insurance claims, and underinsured motorist claims are critical. Going without this type of important coverage, and without any type of legal support when filing your claims, is never a good idea. Instead, work with an experienced team who can help you make sure you get the amount of settlement that is owed to you, based on the type of coverage you have and the other driver’s coverage as well.

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