Uninsured and Underinsured Motorists

If You Have Been in a Car Accident with an Uninsured or Underinsured Motorist, You Need an Experienced Car Accident Attorney who Has the Experience, Knowledge and Resources to Maximize your Potential Recovery.

Uninsured and underinsured drivers cause a lot of car accidents—so many, that a particular type of insurance exists to protect other drivers: uninsured motorist and underinsured motorist insurance.

If you have been in a car accident and the driver was either uninsured or underinsured, your own auto insurance may provide the coverage you need to compensate you for your damages. 

At Howard Sussman & Associates, We Understand Uninsured/Underinsured Motorist Insurance

Coverage for uninsured and underinsured drivers is unique. You do not bring the claim against the other driver; you bring it against your own insurance company. There is no reason to avoid making claims against your own insurer. If you have been paying for the uninsured or underinsured motorist coverage, your insurer has an obligation to compensate you for your damages when you get into a car accident with an uninsured or underinsured motorist. Car insurance companies would have you believe that obtaining full compensation for all of your damages takes a simple phone call. That is rarely the case. The process of recovering benefits can be difficult, frustrating and time-consuming. Claims are frequently underpaid, delayed or wrongfully denied. Hiring an experienced Minneapolis car accident attorney  has definite advantages: the playing field is level, the settlement offers are usually higher, and you don't have to argue with an insurance agent over what is rightfully yours.

When a Car Accident in the Minneapolis/ St. Paul Metropolitan Area Involves an Uninsured Motorist

In Minnesota, drivers are required to have car insurance. Unfortunately, thousands do not. That's why Minnesota drivers are also required to carry uninsured motorist insurance.  If you have been in a car accident with an uninsured driver, your uninsured motorist coverage should compensate you for those amounts that you would have been entitled were the other driver insured. Uninsured motorist coverage can cover injuries to you, your spouse, resident relatives and guest passengers riding in your car at the time of the accident. 

When a Car Accident in the Minneapolis/ St. Paul Metropolitan Area Involves an Underinsured Motorist

If you or a loved one has suffered a catastrophic brain injury or spinal cord injury, there is a fairly good chance that your damages will be higher than the other driver's auto policy limits. If you have underinsured motorists coverage, that can provide additional compensation for your injuries or the injuries of other passengers in your car at the time of the car accident.

At Howard Sussman & Associates, P.A., our experience benefits each new client. Call us at 612.332.4830 or email one of our Minneapolis car accident attorneys <link to email or form>today to find out how we can put our experience to work for you.