Underinsured Motorist Coverage

What is Underinsured Motorist Coverage? Underinsured motorist coverage is insurance a person can carry that protects them against insufficient insurance from the at-fault party. In other words, if you exhaust the policy limits of the other driver in a car accident, this coverage would be available to further compensate you for your damages. If a person has been seriously injured, this coverage can prove extremely valuable. It provides more options for your underinsured motorist accident lawyer to help you make you whole after an accident. If you or a loved one have been injured and have questions beyond "What is Underinsured Motorist Coverage?" contact us today for your free personal injury consultation.

This coverage is optional and must be added on to any policy you may have. It is generally inexpensive but provides a significant benefit for people who have been hurt. It is important to note that this insurance only covers bodily injury, not property damage. If you have questions about adding this policy, you should speak to your insurance agent to consider adding this important coverage to your car insurance.

If you needed to make a claim under this policy, you would first need to hit the policy limits of the at-fault party’s insurance. Once this maximum has been reached (and it can be proven no other coverage exists), the injured person would make a first party claim under their own insurance for the maximum of their coverage. This sounds straightforward but insurance companies often fight to deny this coverage. An experienced injury attorney can make sure that you get the payments you are entitled to after an accident.

At Johnson Law, we have helped many clients recover damages from their underinsured motorist coverage and will put that experience to work for you. We understand just how frustrating it can be to deal with an insurance company after an accident. We will aggressively fight to make sure you are made as whole as possible after an accident. For a free consultation with a lawyer regarding your car accident, contact our office right away.