Uninsured or Underinsured Motorist Liability

As insurance rates continue to rise, it is estimated that nearly one fourth of drivers in some states either have no accident liability insurance or don't carry enough to cover damages if they cause an accident. As a result, underinsured and uninsured motorist coverage under your own auto coverage policy — or possibly your employers — is an increasingly important form of insurance that can protect you against having to cover your own medical costs, property damage and other out of pocket expenses when you are involved in an accident.

Few people have hundreds of thousands of dollars to spare for their own damages in an accident caused by an uninsured or underinsured motorist. If you or your passengers suffer severe injury because of the negligence of an uninsured or underinsured driver, you are forced to pursue a claim against your own insurance company to cover your expenses.

The personal injury attorneys at Wagner Reese & Crossen in Carmel, Indiana, proudly serve as tenacious advocates for clients who seek just compensation in serious auto accidents, including those caused by underinsured or uninsured motorists. Contact our experienced attorneys for a free consultation to discuss your legal options.

Protecting You Against Insurance Companies

Uninsured/underinsured motorist claims are tricky cases - they typically pit you against your own insurance carrier. Unfortunately, although your insurance company has a duty to deal with you in good faith, most insurance companies protect their own interests first in a claim. Many will encourage customers to opt out of uninsured and underinsured motorist coverage to avoid paying on insurance claims later.

Our skilled personal injury lawyers know the law and understand insurance company tactics. We will protect your rights and help ease your burden after an injury or fatal accident caused by an uninsured or underinsured motorist, including:

Call us before you speak to your insurance company. Even if you are covered, their offers are rarely sufficient to cover serious accidents involving brain injuries and spinal cord injuries.