Underinsured motorist coverage is where you have a person that causes an accident, let’s say a car rear-ends the car you’re in, either as a driver or passenger. That person has let’s say $50,000 of liability insurance. However, your injuries are more serious than that, and let’s say your injuries are worth $250,000. That car that caused the accident is considered an underinsured motorist. Therefore, you look at the underinsured motorist portion of your own insurance policy.
Recovering Compensation from Your UM / UIM Carrier
If you were injured in a car crash, you are entitled to compensation for:
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Past and future medical expenses
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Lost wages and future lost earnings
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Permanent physical limitations
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Pain and suffering, and
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Mental anguish
The Importance of Taking Proper First Steps
The steps you take after getting into an accident with an uninsured driver can affect your legal and financial rights. You can improve your odds of securing compensation for your injuries by:
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Staying at the scene: Do not leave the scene of your accident until you’ve been cleared to do so. Call 911 so that they can dispatch emergency services. File an accident report with the police, try to take photos of your injuries and any damage to your vehicle, and seek medical care as soon as possible.
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Gathering evidence: Take photographs of the damage to your vehicle and person. See if there’s any evidence nearby, too, like damage to a road divider or skid marks in the road.
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Going to the hospital: If you need to, you should go to the hospital for your injuries. You should also visit your primary care physician so that they can stay up to date on your condition
Call Schaumburg Personal Injury Lawyers
Remember, when you hire Claim Your Justice, you’ll get effective representation, you’ll get experienced representation, and you’ll get lawyers that care about you, your family, and your case.
Visit https://claimyourjustice.com/claiming-your-justice-in-the-event-of-an-uninsured-or-underinsured-motorist-case/ for more details.