Protect Your Rights Against Uninsured Drivers

Involved In An Accident With An Uninsured Driver?

Not all states require underinsured and/or uninsured motorist coverage. Navigating the aftermath of an accident with an uninsured or underinsured driver can indeed be complex and stressful. If you are an insured in Minnesota, you have purchased this mandatory coverage of both uninsured and underinsured coverage which protects you should you be injured by a driver with no auto insurance or insurance limits that are not enough to cover your injuries/damages.

1. Uninsured Motorist Coverage: If the other driver is uninsured, you can file a claim for uninsured benefits. Uninsured coverage follows the vehicle you were in when the crash occurred. If that coverage is different than your own insurance company, you may seek excess coverage from your own policy. This can help cover your damages up to the limit of your policy or policies applicable to your situation. Proper notices need to be filed.
2. Underinsured Motorist Benefits: If the at-fault driver has some insurance but not enough to cover all your damages, you can claim underinsured motorist benefits. It’s crucial to notify the appropriate insurance carrier before settling with the at-fault driver to protect the underinsured claim. The amount of coverage you would have available depends on the amount of coverage on the vehicle you were in when the crash occurred and the amount of coverage you purchased.
3. Legal Assistance: An attorney who regularly handles uninsured and underinsured motorist claims can be invaluable. They can help ensure all paperwork and notices are correctly filed and advocate for your rights, potentially increasing the compensation you receive.
4. Case Evaluation: Meeting with an attorney for a complimentary case evaluation and can be a good opportunity to understand your options, preserve your potential claims, and outline the best steps forward.

Schedule A Complimentary Case Evaluation Today

These processes are intricate, and it is important to have a lawyer on your side that can not only walk you and your family through the process, but who can advise you regarding next steps and ensure your rights are protected. We work hard to ensure you get the amount of compensation you deserve, not just what the insurance company is willing to offer. Call 651-288-2844, or send us a note about your case, and we can schedule a case evaluation to discuss how to move forward.