Most people are probably familiar with the term “uninsured motorist claim”. That involves a situation where you are in a motor vehicle accident and the other driver has no liability insurance at all. Therefore, he’s an “uninsured motorist”.
Most people are less familiar, however, with the concept what an “underinsured” motorist claim is. As the name suggests, this involves an accident where the other driver does in fact carry liability insurance, but the amount or “limits” of his insurance coverage are insufficient to compensate you fully for all of your injuries and damages. Therefore, he is considered to be “underinsured” as far as all of your damages are concerned.
Another little known fact is that your “underinsured motorist” coverage you carry with your own insurance company only comes into play if the other driver’s liability insurance limits are less that your underinsurance limits. In other words, if his liability coverage limits are equal to or greater than your underinsured limits, then your underinsured motorist coverage doesn’t come into play at all in your claim for damages, and you would then normally limited to recovering the amount of his liability insurance coverage only, assuming he doesn’t have any personal assets you can go after as well.
The law firm of Ryneal & Ryneal has specialized exclusively in these and other kinds of serious personal injury cases in the Inland Empire and throughout California for over the last 35 years. Their practice is solely limited to these kinds of cases so they are experts in this field.
Ryneal & Ryneal handles virtually every type of serious personal injury and wrongful death case, including automobile and motorcycle accidents, defective product cases, construction accidents, landowner liability cases like slip and fall, dog bite incidents, and other serious injury cases.
They have successfully handled literally thousands of personal injury and wrongful death cases over the last three decades, and have obtained tens of millions of dollars in compensation for their clients.
Ryneal & Ryneal has the background and legal expertise to successfully handle your case, and they have their own investigators, and a large array of experts to assist them in properly investigating, evaluating and developing your case so that you can be assured you’ll receive the maximum monetary recovery possible for your injuries and other damages.
If you’ve been hit by an uninsured motorist, call us for a free consultation.