Car accidents can be a stressful and painful time for the crash victims. Getting medical attention is the number one priority, but if you were seriously injured and the driver that hit you is uninsured or if their coverage will not cover all of your medical expenses you may be wondering how everything will be paid. You may have asked the question “Can I sue my own insurance company?”
The answer is yes, as long as you have Uninsured Motorist/Underinsured Motorist insurance. This is a part of your insurance policy that allows for instances where you are injured beyond the at-fault party’s coverage.
If you were injured by a driver that has no insurance, you would need to check your policy to see if you have uninsured motorist coverage. This type of coverage will cover your medical expenses and pain and suffering, since the driver has no insurance that could pay for your bills.
If you were injured by a driver who’s insurance policy limits do not cover all of your medical expenses, you would need to make sure that your insurance policy has underinsured motorist coverage. If your UIM limits are greater than the at-fault party’s liability limits, generally you can bring a claim.
There are time limits for these things, so it is important that you do not wait. There are also some preconditions and steps that need to be taken to ensure that your claim is preserved. Most often it is best to consult with an attorney who is experienced in this field so that they can assist you so that you receive the settlement you are entitled to.
If you have been injured by a motorist with no insurance or with little coverage and would like to speak with an attorney about the next steps to take, call 800.637.8170 to speak with an experienced Ohio accident attorney today.