Underinsured and Uninsured Driver Claims

Answer:

When we run into a situation where the at fault driver is either underinsured or doesn’t have enough insurance to cover the claim or has no insurance at all, we look to our own client’s insurance. Hopefully, they have uninsured motorist coverage or underinsured motorist coverage. The way it works is we put their own insurance company on notice of a potential claim. That’s because it’s a contractual claim. You buy that kind of insurance. Then the claim moves forward just as if it were against the at fault driver because one of the things you have to prove is that the at fault driver was at fault. That kicks in the uninsured motorist coverage, and they provide the lawyers to defend that case as if the at fault driver was providing the coverage. There are complexities to it that require a lawyer to walk through it so we always counsel people to get a lawyer. It’s not something that you can handle yourself, typically, because you don’t know what you don’t know. If you have that circumstance or you think you do in an automobile accident case in Nassau County, Duval County, or any of the outlying northeast Florida counties or southeast Georgia, give us a call. We’ll be happy to sit down with you and help you navigate through those issues and all the other issues that come up in an automobile accident case.