By default, auto insurance policies should include uninsured/underinsured coverage. You need to sign a waiver stating that you refuse this coverage specifically. If you did not sign such a waiver, then your policy should provide this coverage.
You have the option of using a responsible driver who does not have insurance. The law would be on your side, but uninsured drivers rarely have any ability to pay your medical bills. Realistically, you will have to rely on your own insurance. However, if you suspect that a negligent uninsured driver has assets, you may wish to explore legal options by consulting a lawyer.
When the insurance policy for the at-fault driver cannot meet your injury or property damage expenses, you may turn to your insurance. To accomplish this, you will likely encounter several bureaucratic demands from your insurer. An underinsured coverage attorney in Las Vegas could navigate this process for you. You will need documentation showing that you have exhausted the third party’s available coverage. Additionally, you must show that you have remaining unpaid expenses legitimately related to the accident.
You pay good money for insurance protection for precisely these kinds of unfortunate situations. At Lach Injury Law, you can meet with an underinsured coverage attorney in Las Vegas. To collect the compensation that you deserve, call our office today.