If you are involved in an accident with an underinsured driver, your best bet is to contact an auto accident lawyer. This is because you could end up covering things like medical costs from your own pocket. However, there are still avenues to get compensated. An experienced lawyer will be familiar with the complicated legal process that follows such accidents and will be able to help you get the compensation you deserve. Here are five ways an auto accident attorney can help you deal with an underinsured driver:
1. They Will Help You File a Police Report
After an accident, it is essential to file a police report. This will document the details of the accident and can be used as evidence in your case. However, many people are not familiar with filing a police report. An auto accident lawyer can help you file the report correctly and ensure that all the necessary information is included.
2. They Will Gather Evidence
Your lawyer will work to gather evidence to support your claim. This may include obtaining witness statements, photos of the accident scene, and medical records. This evidence will be used to prove that the other driver was at fault for the accident and that you deserve compensation.
3. They Will Negotiate With the Other Driver's Insurance Company
If the other driver has insurance, your lawyer will negotiate with their insurance company to get you compensation. This can be a complicated process, as insurance companies are often reluctant to pay out claims. However, an experienced auto accident attorney will know how to negotiate effectively with the insurance company to get you the compensation you deserve.
4. They Can File a Lawsuit Against the Other Car's Owner
In some cases, your lawyer may file a lawsuit against the other car's owner. This is typically only an option if the other driver was clearly at fault for the accident and their insurance has refused to cover the full costs.
Your lawyer will need to gather evidence to prove that the other driver was at fault and that the damage is extensive. If successful, you may be able to recover compensation for your medical bills, lost wages, and pain and suffering.
Your lawyer will seek to recover the compensation by attaching a lien to the other driver's property. This means that if they sell their property, the proceeds will go towards paying your compensation.
5. They Will Seek Compensation From Your Insurance Company
If you have uninsured/underinsured motorist coverage, your lawyer will seek compensation from your insurance company. This type of coverage protects you if you are involved in an accident with a driver who does not have insurance. Your attorney will work to get you the full compensation you are entitled to under your policy.
For more information, contact a local auto accident attorney.