Underinsured Motorist Accidents

Getting into a wreck with an underinsured motorist is scary, to say the least. You might be facing a variety of medical bills and other expenses. You’re probably wondering, ‘who is going to pay for this?’ You’re not alone. Drivers in Mississippi and across the nation are injured in crashes involving underinsured drivers everyday. Even though insurance is compulsory, not every driver follows the law or gets adequate coverage. The important thing to remember after this type of crash is that you do have options. Your first step needs to be talking to an experienced attorney though.

Who is at Fault?

Mississippi is a “fault” or “tort” system state when it comes to car accidents. This means, that you can collect compensation from the “at fault” driver for your injuries. You shouldn’t have to worry about medical bills, lost wages and property damage, especially if another driver was at fault for your accident. Initially, law enforcement officers will need to determine who was at fault for your crash. They will conduct an investigation and you will likely learn about the other driver’s insurance status, coverage or lack thereof at this time. Try to remain calm, and remember, you do have options.

How Much is My Accident Going to Cost?

Depending upon the severity of the crash and the extent of the injuries, you could be looking at an accident that costs upwards of a million dollars or more. It’s not just the initial hospital visit that makes car accidents so expensive. While you’re out of work, you could lose your job. You might have multiple surgical procedures and medical appointments. Physical therapy and other rehabilitation programs might be lengthy and expensive too. To top it all off, your insurance company might be less than stellar to deal with.

Dealing with an Underinsured Motorist

Unless you waived your uninsured and underinsured motorist coverage, you probably have it as part of your automobile insurance policy. You will need to let your insurance company know that the other driver is underinsured, and they will let you know exactly what they plan on covering or not covering. That being said, there are limits on underinsured and uninsured motorist policies. You might get stretched to the limit on what you can afford as far as medical bills go. Your policy might not cover every procedure or appointment that you need. This is why it’s absolutely essential to get into contact with a skilled personal injury lawyer.

Getting Your Medical Bills Covered

Getting your medical bills covered is going to be your lawyer’s top priority. Whether you have an uninsured motorist policy or not, you do not deserve to be on the hook for tens of thousands or hundreds of thousands of dollars worth of medical bills because of somebody else’s dangerous driving. You might also find that your insurance company isn’t exactly all they’re cracked up to be either. They could be giving you the runaround, hoping you will settle for an inadequate sum.

Let Your Attorney Handle the Insurance Company

You should let your attorney handle the insurance company. Even if you think your insurance company has your best interests at heart, they’re still a for-profit company looking out for shareholder profits and the bottom line. They might try to twist your words around to get out of honoring your policy. It matters little to them whether you’ve loyally paid premiums for years and this is your first claim or not. They’re just looking to save a buck. Unfortunately, with your health and livelihood on the line, now is not the time to be going back and forth with a pushy insurance company.

Getting Compensated When a Motorist is Underinsured

The best way to make sure you get compensated after an accident with an underinsured motorist in Jackson is to call a skilled and experienced personal injury lawyer. He or she will be your advocate during this difficult time. Your lawyer will be able to talk to the insurance company and make sure your claim is settled fairly. Additionally, it might also be necessary to go after an underinsured motorist’s assets more creatively in order to get your bills paid. You don’t deserve the injuries, hospital bills, lost wages, pain and suffering that you’re going through because of an irresponsible motorist.

Why You Need an Experienced Lawyer

You need an experienced lawyer to make sure you get fairly compensated for your injuries after a wreck. An accident involving an underinsured motorist can be infinitely more complicated than a traditional wreck. If an underinsured motorist has injured you or somebody you love, call the proven team at Coxwell & Associates, PLLC for a case consultation today.

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