Uninsured and Underinsured Motorist Claims: How a Personal Injury Lawyer Can Help

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Uninsured and uninsured motorist claims are typically claims against drivers who do not have sufficient funds to compensate you. Although the accident occurred because of their negligence, there is no solution to the situation. In such cases, there are a lot of insurance companies that can provide compensation or coverage for uninsured or underinsured motorists. But, you must follow the entire procedure to get compensation.

 Many insurance companies will try to give you a minimal compensation amount; like all businesses, they will also look for their profit. They will try to settle down your claim with less money. However, if you think the company is accommodating you with too little, you can hire an experienced attorney to fight for you. The legal attorney will provide you with ample knowledge and answer all your questions in case you need clarification. They are the right person to get in contact with, as they have dealt with several similar cases before you, and know exactly what can be helpful for you.

Difference Between Uninsured And Underinsured Motorists:

The main difference between an uninsured and underinsured motorist is that, an uninsured motorist will have no insurance at all. They do not have any contract signed with an insurance company. However, on the other side, underinsured motorist coverage is when a person does not have enough coverage to pay the opposing party. Although there is a thin line between the two of them, many people tend to confuse them.

Hit And Run Accidents:

If you have faced a car crash, and it was a hit-and-run situation, different uninsured motorist policies apply to you, depending on the jurisdiction of your state or country. Some states’ jurisdiction allows them to pay out compensation even if the driver is unidentified, but most states do not. It is essential to learn about the jurisdiction of your state before you claim anything. In hit-and-run accidents, you might not be able to collect much evidence, but the first thing you can do is look at the number plate. The car’s number plate will help you identify whose car it was and who must be held responsible for the compensation.

When Does Uninsured and Underinsured Coverage Apply?

If an uninsured motorist has hit you, your UM policy will cover all the expenditures you must pay after the accident. From essential expenditures, such as a medical checkup, to significant expenses, such as surgeries due to accidents, an insurance policy will cover it all for you. You need to collect proper evidence of the medical bills or reports to show it to the insurance company when claiming it. You can get help from your lawyer, as they know precisely which type of evidence will be required to solidify your case.

How an Insurance Company Works?

An insurance company works by investigating the entire scenario. After the initial meeting, they will ask you multiple questions to verify your claims. They might also visit the accident site to see if what you are saying actually makes sense. They might also call the at-fault party if they are willing to come. Otherwise, after investigating and gathering pieces of evidence from you, they will give you offers for your compensation. However, it is essential to refrain from settling for initial offers, as they are usually low. 

For more information, and to evaluate the actual value of your claims, it is essential to take guidance from your lawyer. Your lawyer has resolved several cases; they have an idea about the maximum limit of compensation you will get.

A personal injury lawyer in plano can fight for your behalf with different insurance companies, and ensure you are satisfied with the final concluding amount. After you or your lawyer have agreed upon the settlement amount, your insurance company will take some time to proceed with your money.

Once you have received your desired amount, you can pay a small sum to the legal attorney you hired. You must deliver the agreed-upon fee, and provide valuable feedback if you are content with their work and services. This feedback will allow others to know about your experience and hire the same legal attorney if they face some similar situation.


In conclusion, it is quite a task to tackle insurance companies. One needs help to do it, especially if they are new to legal proceedings. Insurance companies do not like to pay for claims, so they will make several excuses to get rid of your claims. They might deliberately delay responding to you, as they have a long list of claims on a daily basis. They might request information that is unnecessary to delay your case’s proceeding. In such cases, you must be vigilant about how you respond or hire an attorney for your help.

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