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Nashville Personal Injury Lawyer > Blog > Car Accidents > Why It’s Important To Have Underinsured Motorist Coverage

Why It’s Important To Have Underinsured Motorist Coverage

Car Accident – Dialing On Smartphone Stock Photo

When you’ve been involved in a major car accident, you’re most likely facing expensive car repairs and possibly expensive medical bills, which can be extremely difficult to pay when your accident was caused by an underinsured driver. If the person at fault in your accident was underinsured, it can mean you won’t be able to get the compensation that you need to pay your bills and support your family.

It is for this reason that many people choose to carry underinsured motorist coverage. If you’ve never considered purchasing underinsured motorist coverage, it’s a good idea to learn how this type of insurance can protect you financially after your next wreck. Discover why you need underinsured motorist coverage and find out the reasons you should hire a Nashville car accident lawyer for help.

Accidents with Uninsured Drivers

If you’re a responsible car owner, then it’s a pretty good bet that you possess uninsured motorist coverage. The reasons for this are varied, but the primary reasons to carry uninsured motorist coverage is that accidents involving uninsured drivers are extremely expensive.

When an uninsured driver causes an accident, there is almost no way for you to receive any sort of compensation, as they don’t have insurance and also because they don’t have any resources that you could win in a civil suit. When you have uninsured motorist coverage, however, you can file a claim against your own insurance after being involved in a major accident.

The Importance of Underinsurance Coverage

What many car owners don’t realize is the being in an accident caused by an underinsured driver can be almost as financially devastating as those involving an uninsured driver. Unfortunately, you often won’t know that the other driver in your accident is underinsured until months later, which can complicate paying your bills and repairing your car.

To make sure that your fully compensated after your car accident, you should make sure to carry underinsured motorist coverage. When the insurance coverage of the underinsured driver runs out, you can be sure you have the support you need by filing a claim against your own insurance.

Filing Your Claim, Step by Step

As in life, timing is everything when it comes to filing an insurance claim after your accident with an underinsured driver. The moment you’re aware that the at-fault driver does not possess adequate insurance, you will need to inform your insurance company about your intention to file a claim on your own policy. Acting quickly is important because many insurance companies have deadlines for filing a claim, usually about thirty days.

Once your claim is filed, the process is fairly straightforward. However, you should make sure that you consult with a Nashville car accident lawyer to make sure that your interests are represented throughout the process, especially when it comes time to negotiating with the insurance company.

Hire a Nashville Car Accident Lawyer

If you’re having trouble getting the compensation that you need after an accident with an underinsured driver, you need to get help from a Nashville car accident lawyer, like the ones you’ll find at Mitch Grissim & Associates.

The Mitch Grissim legal team is here to help you in whatever way we can, including making the claims process as easy as possible. Schedule a consultation with us today.

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