If you have been involved in a car accident, your auto insurance should kick in and cover most of the expenses that you would incur. However, there are times when some of the costs may not be covered and that means you have to do something in order to cover your expenses.
If there was another driver responsible for the accident, their insurance policy is supposed to cover the expenses that they caused. If they are among the uninsured drivers in Minnesota, the scenario could be different. If you find out that the other person was not insured, then you know it is time to call your southern Minnesota personal injury attorney as soon as possible. It is important that you learn about your rights, the facts behind your insurance coverage, and what you could have paid for.
Helping You With Your Claim
In Minnesota, motorists are required to cover uninsured motorist insurance. This will kick in if the person at fault for the accident is uninsured. The coverage can provide compensation for lost wages due to not being able to work, medical expenses, and even future earning capacity if the injury is a long-term one. Pain and suffering and emotional distress can also be compensated.
But just because you signed up for this coverage doesn’t mean your attorney won’t have to negotiate with the insurance company. Their goal is to protect their bottom line and that means paying out as little as possible to you. Your attorney, on the other hand, can get them to the negotiation table and have them pay you what you should be paid. If they don’t, then a lawsuit can be filed against them so that maximum and fair compensation can be sought out and paid to you.
Aggressively Pursuing Insurance Companies
If the insurance company does not want to follow through with their end of the deal, you can file a lawsuit for breach of contract. When you have done everything that you are supposed to and they don’t, their actions may be in bad faith.
Keep in mind that the insurance companies are the ones that write the policies, but there are “rules of construction” that they have to follow and that means the court will have to decipher the language within the policy so it can work in your favor. If you win the case, you will be awarded the coverage that you should have received from the policy in the first place. Through all of this, your Mankato personal injury attorney will be with you, advocating for you so you get what you need.
Contact A Southern Minnesota Personal Injury Lawyer
Being involved in an accident with an uninsured motorist can be a difficult scenario when your own insurance may not be enough to cover all of the monetary damages that you face. Because of this, you need the help of an experienced injury attorney. To learn more about your rights and options, call Farrish Johnson Law Office, CHTD at 507-625-2525 to schedule a free consultation.