Minnesota Underinsured Motorist Lawyer

Unfortunately, there are instances in which the person responsible for an automobile 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 that you make against your insurance company in order to add to the compensation you receive from the insurance company of the person at fault.

But there are times in which the insurance company does not want to offer much money. They may offer a fraction of what the medical expenses and other damages cost. For example, the insurance company may sit at the bargaining table with you and your Minnesota underinsured motorist lawyer and offer something in effect of $25,000 for injuries. This is not enough in most cases, so your attorney may have to take your case all the way to a jury. There have been times in which hundreds of thousands of dollars have been awarded after the insurance company has attempted to offer 5 figures.

Do I Have Protection Against Underinsured Drivers?

The good news is that everyone in Minnesota has underinsured insurance protection built directly into their insurance policies, but it may be difficult to get the insurance company to pay up on your own. The insurance adjuster has two jobs: To provide you with compensation and to also save the insurance company as much money as possible. This is what results in low compensation offers.

However, even when your insurance company offers you a low settlement, they can sue the uninsured driver for the amount of money they must pay you to offset their inadequate coverage.

Uninsured Motorist Policies

First, your insurance company cannot raise your premium when an accident is not your fault. If they do, you need to talk to your St. Paul uninsured motorist lawyer. The law states they cannot do this unless you are the one who was at fault for the accident.

You may also wish to employ the help of an uninsured motorist attorney in Minnesota anyway because the claims process can be quite difficult and the insurance company is more likely to work within the confines of the law. With an attorney by your side you can ensure that you will be treated fairly.

There are also instances in which you may be able to settle with an underinsured motorist for less than the limits of their policy and still be able to take advantage of the underinsured motorist benefits offered by your own policy. This allows you to have a safety net if something would happen with your injuries later that would result in you needing further compensation.

Minnesota Auto Accident Attorney

If you have been injured in an accident involving an underinsured motorist, then you need representation right now. You need a St. Paul uninsured motorist lawyer to stand by your side when making an insurance claim or any other action toward your insurance company or the insurance company of the uninsured driver. Call us at 1-888-575-LAWS or fill out the form on this site for your free, no-obligation consultation. Don’t go through the process alone.