When an individual is involved in an accident, that person has to deal with a number of physiological, emotional and financial difficulties. That is because, in addition to the physical trauma, a victim can be injured emotionally, as well, and may incur significant monetary losses arising from medical expenses and lost wages. In many cases, these expenses can be recovered from the insurance company of the driver responsible for the accident, but what happens if that other driver is uninsured or underinsured?
One precaution that a driver can take is to purchase additional insurance from his or her own insurance carrier for added protection in the event of an accident involving an uninsured or underinsured driver. A person also may choose to include Personal Injury Protection, or PIP, which guarantees that the insurance company pays, irrespective of who is at fault for the accident. Sadly, even after a policyholder has opted and paid for this added coverage, many insurance companies may try to avoid honoring the terms of the policy.
In such cases, probably the only method for a victim to obtain what is rightfully theirs is through a lawsuit seeking compensation from the insurance company. Additionally, the victim may choose to seek punitive damages from the driver who was responsible for the accident. Whatever the situation may be, any expert advisor would first suggest to examine the insurance policy and then challenge the insurance company's decision on the claim, if necessary.
Our law firm, Carter Craig, Attorneys at Law, has more than 60 years of experience representing clients in accident-related claims against other drivers and insurance companies. We understand the difficulties that a victim faces after an accident and, therefore, we put forth our best efforts while utilizing our strengths to seek a favorable decision on behalf of our client. For a further understanding of our personal injury practice, please visit our law firm's website.