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When the at-fault driver is underinsured, your options are to collect damages from your insurance company, and this works if your costs are minimal, or to seek damages from that driver. Never sign documents for the at-fault party without consulting your insurance company or your lawyer first.
Unfortunately, the car accident-proof human has not yet been designed. If you are injured in an accident caused by an underinsured driver in Miami, you'll be unable to cover all of your expenses, including:
You will determine what type of insurance the other person has on the day of the accident when you will have to swap insurance information. To have the damages covered, you should notify your insurer as soon as possible, letting it know that you will file an underinsured claim.
There are a lot of underinsured drivers out there. If you want to be covered in case of any accident, you can add underinsured motorist coverage to your own policy. By adding it to your own insurance policy, you will be extensively covered for damages.
Contact Miami-based lawyer Sean M. Cleary to discuss your rights if you have been injured in a car accident by an underinsured driver. Call 305.416.9805.