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Dealing with an Underinsured Motorist After a Wreck
Getting in an accident with an under or uninsured motorist can be frustrating. You may have a lot of questions. Will you get compensation for your injuries? Should you hire a car accident attorney? What should you do next?
Many drivers do not have insurance coverage, even if they drive regularly. They may not carry insurance because of the costs, they allowed the policy to lapse, or they are driving a vehicle they shouldn’t be driving. Whatever the reason, when they get into an accident, it can create more problems for everyone.
If you’re suffering after an uninsured driver, reach out for help. Find out what you should do after an accident with an uninsured motorist.
Uninsured Motorist Coverage
Uninsured motorist coverage is a great resource to have added to your policy. This covers the damage to your vehicle and any injuries you’ve suffered due to the accident.
According to Wisconsin law, drivers are required to carry a minimum of $25,000 for one person and $50,000 for two or more. You have the option to purchase more coverage if you wish. This coverage can make a big difference when you’re hurt by an underinsured or uninsured driver.
Collision Insurance Coverage
Collision insurance helps to provide compensation for any damages done to your vehicle in the event that the liable party does not carry liability insurance. Liability-only policies do not carry collision insurance, so it is important to have this coverage in the event that the other driver does not have any.
Collision insurance does not cover bodily harm or injuries caused by the accident to you or anyone else in the accident. This type of coverage is only available to cover repairs on your vehicle.
Health Insurance Coverage
If you’ve suffered serious injuries due to the accident, and they exceed what PIP insurance covers, having health insurance cover it can be beneficial. Your car accident lawyer can help you contact your insurance provider to let them know the situation.
You can learn more about the coverage offered through the health insurance policy. You can also find out what to expect from co-pays, deductibles, and whether they’ll cover long-term hospitalization or help from a rehabilitation facility.
Bringing on a Lawsuit
In the case of dealing with an uninsured driver, you may have to resort to filing a lawsuit to obtain the necessary compensation. Keep in mind that the uninsured driver may not have the funds to provide the compensation that you need for your injuries. This means that even if you file a claim against them, you still may not receive the compensation.
In addition to the lawsuit, you may also file claims against other parties that may have contributed to the accident. An attorney is able to help investigate the accident and identify any other parties who may have been involved.
Don’t Deal with an Uninsured Motorist Alone
When you’re hurt in a car accident, you’re not alone in seeking compensation. It can be troubling to go through the process, but it can be worth it with the right legal counsel behind you.
When you’re ready to get help dealing with an uninsured motorist, contact us here at the Law Offices of Gary S. Greenberg for a free consultation. Give us a call at 414-271-7007 or complete the online contact form below to find out how we can take the next step to obtain the compensation you may deserve.