Motor vehicle accidents are stressful for victims, no matter how serious they are. From a fender-bender to a life-threatening crash, an accident can create confusion, fear, and anxiety in the life of a victim. When a vehicle accident happens in Texas, a victim can choose to seek the counsel of a committed and knowledgeable attorney.
Often, vehicle collisions resolve when the responsible parties’ insurance kicks in and pays for the victims’ losses. However, in some cases a responsible party may not have sufficient insurance to cover the entirety of a victim’s claims. In such cases, the responsible party may be termed a “underinsured motorist” due to their limited insurance.
What happens after an accident with an underinsured motorist?
An underinsured motorist is not an uninsured motorist. Uninsured motorists have no insurance, while underinsured motorists have some, but not enough, insurance to cover their victims’ claims. When a victim will not be fully reimbursed for their losses through the policy of an underinsured motorist, the victim may have to turn to their own underinsured motorist policy.
Drivers can elect to include underinsured motorist coverage in their own policies. This can protect them in the situation that this post is addressing. Insurers can, though, carefully review underinsured motorists claims and deny them if they deem them lacking.
Insurance claims and motor vehicle accidents
Insurance should compensate individuals for their losses when applicable events happen, but not all insurers are quick to provide financial relief to those that they cover. When dealing with a post-accident insurance claims, such as a claim on one’s own underinsured motorist policy, victims can seek legal help. All insurance issues following motor vehicle accidents can be different, and for this reason readers should not read this post as legal advice. Support from Texas-based attorneys can give victims the knowledge and support they need to pursue their claims.