Uninsured and underinsured motorist accidents
Take a look around you when you’re on the road. About 13.5 percent of the motorists around you are completely uninsured. About another 13.5 percent of them are riding on minimum liability insurance of $25,000 for bodily injury to one person and a total of $50,000 for bodily injury to more than one person per accident. A night in the emergency room, an orthopedic surgeon and internal fixation of a leg fracture will cost far more than $25,000. Then there are other damages like:
- Physical therapy and rehab
- Permanent disfigurement or disability
- Lost earnings
- Pain and suffering
Situations like that are why you want uninsured and underinsured motorist coverage. When you have that coverage, your insurance company steps into the shoes of the uninsured or underinsured motorist, and you can make a bodily injury claim for your damages with your own insurance company the same as you would do against the at fault driver’s insurance company.
Attorney at Law, Loveleen Dhaliwal is a personal injury attorney with extensive knowledge and experience in bringing uninsured and underinsured motorist claims on behalf of her clients. These types of claims and lawsuits are highly complicated because they combine contract, insurance and personal injury law. You’ll certainly not be helping yourself if you attempt to handle these claims on your own. In fact, you’ll probably prejudice your case if you approach it without an attorney who has a command of uninsured or underinsured motorist law.
The insurer that you paid premiums to for years will want to pay you as little as possible or even nothing on your claim. You’ll need quality legal help. If you or a member of your household was injured through the fault of an uninsured or underinsured motorist as a driver, passenger, bicyclist or pedestrian, contact Attorney at Law, Loveleen Dhaliwal for a free consultation and case evaluation. Strict time limitations apply under your policy so contact her right away after being injured in any accident that was caused by an uninsured or underinsured driver.