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What’s the Difference Between Uninsured Motorist and Underinsured Motorist Claims?

By The Husband and Wife Law Team on February 9, 2010

An uninsured claim can be made only when the person who caused an accident had no insurance coverage at all. Your own insurance policy may, however, cover what the other person’s insurance should have covered.

For example, let us say that you or someone you love was seriously hurt in a car accident in Chandler that someone else caused. The person who caused the accident should be responsible for paying medical expenses, lost income, pain, frustration, and all other damages resulting from the accident for which the injured party can claim compensation. What would happen, however, if the responsible party had not bothered to pay for insurance? Just because the responsible party did not have an insurance policy does not mean that the injured party is without recourse or cannot make a claim.

A Chandler, Arizona car accident victim may be compensated in such cases if he or she had uninsured motorist coverage in the same manner in which they would have been compensated had the negligent party had at fault insurance.

Underinsured motorist coverage deals with similar situations. It is utilized more frequently when serious injuries result from an automobile accident. Let us theorize that a negligent driver causes an accident resulting in a serious injury that costs a considerable amount of money to treat. Medical expenses in some cases are so high that the other person’s insurance does not cover all of the medical bills, leaving no money available to reimburse lost wages from being unable to work or for anything else the law allows compensation.

By contacting a top Chandler car accident lawyer, you will not only be able to learn what your case may be worth, but you will also find out if there is additional insurance coverage that was unknown. In cases of uninsured or underinsured motorist coverage, it may often require the services of an experienced personal injury trial lawyer to find the coverage that will allow full and fair compensation after a Chandler car accident that was not your fault.

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