Payment for injuries caused by another person are typically made by the negligent party’s insurance carrier. What do you do though when the negligent person does not have insurance? Are you limited to pursuing the individual and their personal assets, or do you have other options? The problem with pursuing the individual is that if they failed to maintain the required insurance coverage, it is unlikely they have substantial assets available to make you whole.
In these instances you can look to your own policy, provided you have a provision for uninsured motorist in place. Making this type of claim means your own insurance company will pay for the things you need, such as:
- Medical care.
- Pain and suffering.
- Lost wages.
- Emotional distress.
Uninsured motorist coverage does have drawbacks though, and not every expense is covered. For instance, uninsured motorist coverage will not pay for property damage or award you any punitive damages. You can look to your collision coverage for auto repairs though, so at the very least your car can be fixed. If you have questions about how uninsured motorist coverage works and how it can benefit you, call us for answers. We have experience in helping people make claims to their own insurance provider and making sure you get the medical attention you need.
If you’ve been hurt in an accident, let an experienced attorney. We help with your case by looking at the facts unique to you and making a proper application of the law to those facts. Call a Bloomington, Minnesota personal injury attorney and schedule an appointment today.