Uninsured v. Underinsured Motorist Claim: What Is the Difference?

When you are involved in a motor vehicle collision that was caused by another party, you expect the at-fault party to pay for your property and personal injury damages. However, these expectations may not always be reality, especially in situations where the liable party does not have insurance, or does not have sufficient insurance to cover the full extent of your damages, or the liable party flees the scene of the accident.
In such situations, your car accident attorney may turn to your own insurance company. If your insurance policy has uninsured or underinsured coverage, you may seek compensation under your own policy.
Underinsured Motorist Claim
Underinsured motorist claim covers vehicle collisions where the liable party does not have enough car insurance to cover all of the damages caused by the collision. In order to successfully file an underinsured motorist claim, your car accident attorney needs to first determine the amount of coverage the at-fault party has on his or her policy. The underinsured policy coverage may pay for damages once the liable party’s policy has been exhausted.
Uninsured Motorist Claim
Uninsured motorist claims cover motor vehicle collisions where the liable party does not have any insurance; the liable party’s vehicle is unregistered, stolen or driven without the owner’s permission; or the liable party fled the scene of the accident (also known as a hit and run accident).
In order to recover under an uninsured motorist claim, your car accident lawyer needs to prove to your insurance company that there was no insurance coverage for the liable party or vehicle at the time of the accident.
Call Us
Attorney Kenneth A. Wilhelm is a New York car accident attorney with over 43 years of experience. For more information or to schedule a complimentary consultation, please call 1-800-967-5496 or visit us at www.work4youlaw.com. We can even come to you. Huge amounts of money have been offered to our car accident clients.