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What to Do if You’re Injured by an Underinsured Driver

Oct 1 2020
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If you’ve been seriously injured in a car accident that was caused by someone who carries only the minimum requirement for liability insurance, that driver’s insurance may be inadequate to cover the full extent of your damages. While an underinsured motorist complicates an already complicated and difficult situation, an experienced New York City car accident attorney can help.

Underinsured Motorist Endorsement

It’s very likely that your own insurance policy includes coverage for underinsured motorists. The endorsement for underinsured drivers is coverage that comes into play when an at-fault motorist’s coverage isn’t sufficient to cover the injured party’s full spectrum of damages. In such an instance, your own underinsured motorist coverage will kick in where the at-fault driver’s coverage leaves off.

Your Insurance Company

You purchased underinsured (and uninsured) coverage exactly for this reason – in case you were seriously injured by a motorist whose own insurance coverage is inadequate – but this doesn’t mean that obtaining the compensation to which you are entitled will be smooth sailing. Your insurance company is in the business of making money, and this can often translate to offering reduced settlement offers – or even denying claims outright. Your dedicated car accident attorney has the fortitude and experience to skillfully negotiate with the insurance company on your behalf for favorable settlement terms.

Your Damages

The damages you suffer as a result of a dangerous car accident are likely to be far-reaching, including:

Discuss Your Case with an Experienced NYC Car Accident Attorney Today

Underinsured drivers are out there, but the dedicated car accident attorneys at Lipsig, Shapey, Manus & Moverman in NYC are well versed at successfully championing cases like yours. Our firm’s roots in the City go back more than 80 years, and our experience and stellar reputation guide all of our work. We’re here for you when you need us, so please don’t hesitate to contact or call us at 212-285-3300 for more information today.