Were you in a rear-end accident in Social Circle, Georgia where the at-fault driver only had $25,000 in insurance?
If so, you may be wondering how you can recover more than $25,000 if your medical bills, lost wages, and pain and suffering exceed the at-fault driver’s insurance. Your best bet is almost always through your underinsured motorist coverage.
UNDERINSURED MOTORIST COVERAGE
The best and probably only way you can recover more than $25,000 is if you have what is called underinsured motorist coverage. Underinsured motorist coverage is coverage you buy for situations when the at-fault driver does not have enough insurance to cover your losses.
For example, if you have $50,000 in medical bills because of a car accident and the at-fault driver only has $25,000 in insurance, then you would need underinsured motorist coverage of at least $25,000 to make sure your medical bills are covered.
Should you find yourself in a situation where the at-fault driver’s insurance will not cover your losses, you need to immediately notify your underinsured motorist carrier to let them know you may have a claim.
Many times your insurance policy will require prompt notification before coverage will apply. Failure to timely notify your carrier may result in coverage being denied. To be on the safe side, always notify your underinsured motorist carrier as soon as the accident occurs.
CONTACT BARTLETT BENTON
Unfortunately, most of the time you will end up fighting both the at-fault driver’s insurance carrier as well as your own underinsured motorist carrier to get the money you deserve. If you are having trouble getting the money you deserve and would like a free case evaluation, please call Bartlett at 770-365-6414.