Underinsured Motorists and Accidents in Minnesota

Minnesota Car Accident Attorney

Unfortunately there are instances in which the person responsible for a car crash may not have enough insurance to cover your injuries and the damage to your vehicle. When this happens, you will most likely have to file a claim for underinsured motorist benefits. This is a claim you make against your insurance company in order to add to the compensation you receive from the insurance company of the at fault driver. There are times when the insurance company may offer a fraction of the medical and other damages cost. In this case you want an aggressive Minnesota personal injury attorney who will fight to ensure you receive fair compensation.

Auto Accident Lawyer in Minnesota : Underinsured Motorists

The good news is that everyone in Minnesota has underinsured insurance protection built into their insurance policies, but it may be difficult to get the insurance company to pay up by yourself. The insurance adjuster has two jobs. To provide you with compensation and to save his company as much money as possible. This is the reason for low settlement offers. Even when your insurance company offers you a low settlement, they can sue the underinsured driver for the amount they pay to you. An insurance adjuster may offer $25,000 for injuries. In most cases this is completely inadequate. Depending upon the circumstances an experienced underinsured motorist lawyer may have to take your case all the way to a jury. There have been times when hundreds of thousands of dollars have been awarded after the insurance company has attempted to offer 5 figures.

Your insurance company cannot raise your premiums when an accident is not your fault. Your legal counsel will inform them that the law states your rates may not be raised unless you are the one at fault in the accident. The claims process after an accident can be very difficult. Insurance adjusters have experience in creating obstacles and sometimes simply deny a valid claim. A personal injury lawyer at Heimerl & Lammers can ensure that you are treated fairly.

If the at fault driver in your accident turns out to be underinsured you need representation now. Contact a Minnesota underinsured accident attorney at our firm who can help you resolve this issue.