Being involved in an accident is difficult enough. The situation becomes substantially worse when a victim realizes the negligent party either did not have insurance or had coverage that will not fully cover the damages. Fortunately, Minnesota is a state that requires drivers’ insurance to include “uninsured” or “under insured” provisions. This means that the victim of an accident may make a claim against their own insurance policy when the negligent party was uninsured or lacked adequate coverage. If you have been involved in a car accident, you have recourse regardless of whether the other driver was insured. Our Rochester personal injury attorneys assist those who need to file an uninsured or under insured motorist claim. Contact our office today to speak with a lawyer. Our firm also handles cases in Owatonna, other areas of the state, and Iowa and Wisconsin.
Car accident attorneys assisting Rochester and Owatonna residents hit by an uninsured or under insured driver
Minnesota requires that auto insurance policies include uninsured motorist (UM) and under insured motorist (UI) provisions. This means that a car accident victim’s own policy will provide coverage for medical expenses, lost wages, and pain and suffering. If the negligent party had no coverage whatsoever a victim will make a claim directly against their own policy. If the negligent party had coverage, but it did not sufficiently cover the victim’s injuries, the victim can make a claim against his or her own policy to cover the difference. The amount of compensation available to a victim will depend on the specifics of their policy.
The victim of a car accident is entitled to compensation for medical bills already incurred and the cost of future treatments, wages lost to date and future lost wages, and pain and suffering. These damages can be calculated once a victim’s future medical needs and ability to return to work can be reasonably ascertained. If the party who caused the accident did not have insurance, compensation will be sought by sending a demand for payment to the victim’s own insurance carrier. The carrier will analyze the demand as they would any other claim. If, for example, they believe the policy holder was the one who actually caused the accident, they may deny coverage. It is important that you retain a lawyer experienced in handling UM and UI claims.
Jim Suk is a Rochester attorney who founded our firm in 1988. Once a client retains our firm, we will immediately determine the extent of a defendant’s insurance coverage. We will make any necessary claims against your UM or UI policy. Should your insurer attempt to deny coverage, we will not hesitate to litigate the matter on your behalf. We will conduct any necessary discovery and file a lawsuit. We provide the highest level of service while doing so. This includes promptly responding to your phone calls and emails and making ourselves available to answer any questions you may have. We understand you are facing a frustrating and difficult situation. We focus on this area of law so you can focus on your future. Contact us today to speak with a lawyer.
We also serve the following southeast Minnesota cities: Red Wing, Winona, Mankato, Austin, Albert Lea, and Owatonna, as well as the cities of Minneapolis, St. Paul, Duluth, and Bloomington. We also serve the Iowa cities of Mason City, Charles City, Osage, Spencer, Garner, Forest City, and Northwood and the Wisconsin cities of La Crosse, Onalaska, Sparta, Viroqua, River Falls, Ellsworth, Whitehall, and Black River Falls.
Rochester lawyers handling uninsured and under insured claims in all types of car accidents
There are many types of car accidents that may impel a victim to make an uninsured or under insured claim against their own policy. These include rear end collisions, stop sign and intersection accidents, and cases involving a distracted driver. Our lawyers are able to assist you. We are honored to serve our clients and we take this responsibility seriously.