Hit By A Driver Without Enough Insurance?
Accidents involving uninsured or underinsured motorists often leave injury victims facing a pile of medical bills without any assurance of how they will be covered. Depending on the terms of your policy, you may be able to collect damages under your own insurance if the driver who hit you was underinsured or uninsured.
The law office of Albert Buzzetti & Associates represents clients in cases involving uninsured and underinsured motorist claims. If your insurer refuses to cover your losses or is unwilling to offer you adequate compensation under the terms of your policy, we are prepared to take the company to court. If bad faith insurance practices are involved, we demand punitive damages as well to send a message and compensate for your frustration and pain and suffering.
If your insurance company refuses to honor the terms of your policy after an uninsured or underinsured motorist hit you, contact the attorneys of Albert Buzzetti & Associates today. Call 201-308-5313 (New Jersey) or 866-237-8202 (New York).
How Do I Know If I Can Recover Damages Under My Policy?
If you purchased standard coverage, your policy should provide coverage for accidents involving uninsured or underinsured drivers. Basic coverage — typically a policy that is the cheapest or provides minimal coverage — does not usually include liability protection for losses caused by uninsured or underinsured drivers. Additionally, most insurers will pay on uninsured or underinsured claims only when you, the injured party, were not at fault in an accident. In cases where you are as much at fault as the other driver, your insurance policy may not cover you.
I’m Not Sure What To Think — My Insurance Agent Says I Don’t Have A Claim
Remember, insurance companies are in business to make money. Additionally, each department and claims agent usually operates under an incentive plan regarding bonuses and promotions that is tied directly to loss reduction programs for the company. Reporting a claim under uninsured or underinsured liability protection will only increase your agent’s numbers in his or her “loss” category.
Since insurance companies have legal departments, they are often willing to call a policyholder’s bluff, essentially taking a “so sue me” attitude when disputes arise over what is and is not covered. Because the insurer assumes you will either accept a reduced settlement or just go away, what your agent tells you may not be the whole story.
Questions? Contact Our Experienced Personal Injury Lawyers.
Whether you have a case begins with the terms of your policy. If you have questions regarding your coverage, we can help you determine if you have a case. To schedule a free consultation in our offices in Englewood Cliffs or New York City and to learn more about how we can help you, contact Albert Buzzetti & Associates today.