How much you get from an underinsured motorist claim will depend on the cost of your medical bills, lost income, pain and suffering, and other losses. That said, getting the compensation you need can be difficult, especially when you are dealing with a painful injury.
Fortunately, a dedicated Kansas City car accident lawyer can deal with the insurance company and pursue the damages you need to cover your losses and recover from your injury. Let’s take a more detailed look at how much you can get from an underinsured motorist claim and what an attorney will do to get a fair settlement.
What Underinsured Motorist (UIM) Coverage Actually Does
If you are looking into how much you can get from an underinsured motorist claim, you need to know what this type of coverage actually does for you. Underinsured motorist coverage (UIM) pays the difference when the at-fault driver’s insurance isn’t enough to cover your losses after a crash.
This type of coverage only activates after the other driver’s liability limits have been completely used up. The purpose of UIM is to protect you from being left with medical bills, lost wages, and other costs the at-fault driver can’t afford to pay. In many cases, it becomes the only practical way to recover the full value of your losses after a serious accident.
Factors That Determine How Much You Can Get From an Underinsured Motorist Claim
Your medical bills, lost income, pain and suffering, and long-term effects all determine how much you can get from an uninsured motorist claim. During a case like yours, insurance companies will look closely at the severity of your injuries and how they impact your daily life.
Insurers will also consider whether you’ll need ongoing treatment or have permanent limitations that affect your ability to work. The more clearly these damages are documented, the stronger your UIM claim will be. Make sure to hire a skilled attorney who has the experience required to negotiate with insurers and get the highest payment possible.
Contact our Kansas city personal injury lawyers now.
How Your Own Policy Limits Affect Your Recovery
Another important point to consider when determining how much you can get from an underinsured motorist claim is that your policy’s limit will impact how much compensation you can recover. In other words, you can only recover up to the amount of UIM coverage you purchased, no matter how serious the crash is.
Your policy limits act as a ceiling on what your own insurer will pay, even if your losses go far beyond that number. Many people don’t realize how quickly medical bills and lost wages can exceed their chosen limits.
A lawyer can review your policy, explain your coverage, and answer any questions you have about the compensation you’re able to recover. Get in touch with an attorney today to learn more about your case and get started on your claim.
How an Experienced Car Accident Lawyer Can Help You With a UIM Claim
Working with a lawyer will make a major difference in the outcome of your UIM claim. Personal injury lawyers understand how to deal with your insurance company, document losses, push back against low valuations, and make sure you’re not leaving money on the table.
Here’s what a committed lawyer will do to help you recover a high-value settlement after an accident with an underinsured driver:
- Meet with you for a free consultation to explain your legal options
- Explain the common misconceptions about car accident claims
- Gather and organize medical records to prove the full extent of your injuries
- Calculate all your economic damages, including future treatment and long-term wage loss
- Advise you on how much you can get from an underinsured motorist claim
- Identify all available insurance policies and confirm that the at-fault driver’s limits are exhausted
- Handle communication with adjusters so that nothing you say can be used to hurt your claim
- Challenge lowball offers
- File a lawsuit when necessary
- Provide understandable legal advice throughout the legal process
Learn More About How Much You Can Get From an Underinsured Motorist Claim
Individuals who suffer injuries in crashes caused by underinsured drivers will often wonder, “How much can I get from an underinsured motorist claim?” It’s also common to worry about your financial recovery and stress out over the details of your case. Fortunately, you don’t have to worry about your claim when you work with Foster Wallace Personal Injury Lawyers.
We will provide the advice, support, and advocacy you need to understand your case and get full compensation for your injuries and losses. We’ve won over $1 billion in damages for past clients, and we’re prepared to fight for your settlement.
Contact us today to schedule a free consultation with our dedicated and seasoned car accident lawyers. We’ll help you take the first step toward obtaining the damages you deserve.
