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Data shows that around one in every six drivers in the state is uninsured, meaning there are hundreds of uninsured drivers operating motor vehicles on Florence roadways. Many other drivers have the minimum required amount of insurance to satisfy Commonwealth requirements but not enough to fully compensate for the costs of severe or permanent injuries. However, while having uninsured driver coverage is mandatory, underinsured driver coverage is not. Here is a look at the claims process involving uninsured/underinsured car accidents in Florence and how a dedicated car accident attorney can help if you find yourself injured in an accident caused by a driver with no insurance or not enough coverage.
What If There Isn’t Enough Insurance to Cover the Costs of Your Injuries?
In Florence and across the state, the law requires drivers to purchase personal injury protection coverage to cover certain costs associated with being injured in a car accident, with the option of opting out of this coverage. In cases involving severe injuries caused by someone else’s negligence, the driver may also be able to seek compensation for the expenses and impacts they incurred due to the accident by filing a claim against the liability coverage of an insurance policy held by the at-fault party. There are several circumstances where these resources don’t provide enough coverage to fairly compensate the injured party, such as:
- When an uninsured driver caused the accident
- When the accident involves a driver who has insurance, but the policy limits are less than the value of the injured party’s claim
- When the accident was a hit and run, and the injured party does not have the information to file a claim against the at-fault driver’s insurance policy
Individuals injured in an accident forget they have uninsured coverage or may also have underinsured coverage. These policies provide an additional resource for compensation.
How a Lawyer Can Help You With an Uninsured/ Underinsured Claim
An experienced lawyer could help injured people seek compensation by filing a claim against the at-fault party’s liability coverage. Further, a Florence attorney can often help their clients file claims against their insurance coverage as well, including their uninsured/underinsured motorist coverage after a car accident. While it can be easier to obtain compensation through a claim on a person’s insurance than a third-party claim against someone else’s coverage, insurance companies typically seek to avoid or reduce the payouts on any type of claim.
A lawyer helps determine the insurance resources available to compensate clients for financial and emotional losses. They gather necessary documentation, communicate with insurers to negotiate a settlement, and, if the insurer fails to provide fair coverage under an uninsured/underinsured policy, they can file a legal complaint to hold the company accountable for its contractual obligations.
Contact a Florence Lawyer after an Uninsured or Underinsured Car Accident
Uninsured/underinsured car accidents in Florence occur too often. Recovering from accident injuries is often difficult and painful, and seeking compensation can be just as challenging. Our legal team handles the financial recovery process so clients can focus on healing. Contact us for a free case evaluation to learn more about our services and get answers to your legal questions.
