Uninsured/Underinsured Motorist Law
Traditionally, auto accident claims are handled this way: Action is taken against the negligent driver and the negligent driver's insurance company pays the claim for damages. But what happens if the negligent driver does not have enough insurance to cover all the damages? What happens if the negligent driver has no auto insurance coverage at all?
This is an issue that we deal with all the time at Personal Injury Attorneys of Alaska, An Association of Independent Law Firms. Lawyer Charles W. Coe has fought for the rights of accident victims since 1978. Our knowledge of the insurance industry allows us to find coverage, often through your own auto insurance policy.
Using Your Auto Insurance Policy
The unfortunate reality is that there are many people on the road with no insurance coverage at all, and many more with only the bare minimum. Thankfully, most people often carry uninsured and underinsured motorist coverage on their own policy, and that is where we often have to turn for compensation for medical bills, wage loss and other damages.
How Uninsured and Underinsured Motorist Coverage Works
Here is an example: A person is hit by a negligent driver and suffers a serious back injury as a result of the car, truck or motorcycle accident. The severity of the injury means that medical costs are going to be high, perhaps $200,000. If the negligent driver only has $100,000 worth of coverage, we will get all of that, then we will get the remaining amount from the victim's insurance company under the uninsured and underinsured motorist coverage.
We believe that, if you have paid for this insurance — and most people who have purchased auto insurance have — you are entitled to expect your insurance company to pay under these circumstances. We will make certain they do.
You Only Pay if We Get Results
We take all motor vehicle accident claims on a contingent fee basis. We will only charge our fees if we are able to recover compensation for your injuries.