An auto accident is a nerve-wracking experience. But then you find that, adding insult to injury, the other driver involved in the accident is underinsured or possibly illegally uninsured. Or perhaps the other driver, who caused the accident, never made contact with your motor vehicle and cannot be located. So you look to your own policy to cover for your accident related expenses, only to find that your policy lacks sufficient uninsured motorist benefits.
An New Jersey Governor Jon S. Corzine's April, 2007 auto accident, in which the driver who caused the accident was not identified, brought renewed attention to the issue of uninsured motorist auto insurance coverage. A large percentage of motorists either do not carry uninsured motorist coverage, or have policy limits that are insufficient to cover for even basic accident related expenses.
The need for higher policy limits is highlighted by the fact that, depending on the state, approximately one in five or six motorists are uninsured. The number of accidents caused by unknown or unidentified motor vehicles should also not be underestimated, since it is annually in the thousands.
In New Jersey, where Governor Corzine had his accident, the uninsured coverage that is triggered in the event an unidentified motorist causes an accident if you have the minimum limits is $15,000, if you have this kind of coverage to begin with. But even if you only had relatively serious injuries as a result of an accident, $15,000 would only cover your first hour in the hospital.
If you have not recently reviewed you automobile insurance policy and its coverage limits, it is of paramount importance that you do so. But what if you are in the unenviable position of having been involved in an accident in which there is insufficient accident insurance coverage to pay for your accident related expenses?
You may wish to consider consulting with an experienced uninsured-underinsured motorist attorney. Such an attorney will be able to look to all possible sources of recovery, from the insurance companies or otherwise. In some cases, the uninsured motorist may be sued directly. In other cases, the goal will be to maximize your financial recovery from your insurance claim.
Regardless of whether your case involves a "hit and run" or an auto, truck, motorcycle, bicycle, pedestrian, or drunk driving accident, there are often additional sources of insurance a skillful personal injury attorney can uncover. Our personal injury attorneys are experienced in interpreting policies and investigating insurance claims such that you can obtain the compensation you deserve.
Contact our Personal Injury Lawyers and Attorneys today to find an experienced auto accident lawyer near you.