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How does an underinsured motorist accident claim work?

Unfortunately, a great many drivers in Phoenix do not have adequate auto insurance. This leaves victims of motor vehicle accidents struggling to find compensation in the aftermath. The problem of inadequate auto insurance is not localized to the Phoenix area; it is an issue that affects all residents of Arizona as well as those residing in other areas of the nation.

Because of the volume of underinsured motorist accidents, drivers do have a few options in the event of an accident. One of the best solutions involves acquiring uninsured or underinsured motorist coverage, which is part of your own auto insurance policy. It will compensate you if you become involved in an underinsured motorist accident. However, this solution does you no good if you do not already have this coverage before the accident occurs.

If you do have coverage for underinsured motorist accidents, your insurance will pay for your claim up to your policy limits. You will need to file this claim with your insurance provider. If you do not have this coverage, you can look to your health insurance to help you pay for any medical treatment you may require. If your auto policy covers collisions, you can recover compensation for the damage to your vehicle.

It is wise to seek assistance from a personal injury attorney if you have been involved in an underinsured motorist accident. A lawyer with experience working with insurance companies can strengthen your claim, thereby maximizing the amount of compensation you can expect to receive. An attorney consultation will also help you identify other ways to increase your compensation.

Source: Zacks, "What Is an Underinsured Motorist Claim?," accessed Aug. 21, 2017

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