Hit by an uninsured driver? Now what?
Minnesota law requires all drivers to maintain a minimum amount of liability coverage in order to operate a motor vehicle. The minimum amount of required coverage is $30,000. If everyone follows the law and has insurance, your injury and property damage claim will have a source of insurance coverage for payment of damages. But what happens if you are hit by someone that failed to follow the law and does not have insurance?
If you are injured in a car accident and the other driver does not have insurance, you may be entitled to recover damages under your own insurance policy for uninsured motorist coverage. This is a provision in your automobile policy that protects you when you are involved in an accident with an uninsured driver. Further, even if the other driver has insurance, it may not be enough to fully compensate you for all your losses and damages. Underinsured coverage provides another layer of protection for you when you are injured by another driver that failed to carry enough insurance coverage to cover your losses.
The procedural requirements in pursuing an uninsured or underinsured claim are strict. You should consult with an attorney that specializes in uninsured and underinsured cases to understand you rights. Cory Whalen and the attorneys at SiebenCarey have significant experienced in uninsured and underinsured motorist cases. Contact us for a free case evaluation.