Uninsured/Underinsured Motorist

Uninsured motorist and underinsured motorist coverage are optional coverages that insureds can purchase to further protect them in case they are involved in an accident with someone who has either no insurance at all or does not have enough insurance coverage to cover the injured person’s damages.  These types of claims are presented to the injured party’s insurance carrier, and the carrier essentially steps into the shoes of the uninsured or underinsured defendant to cover the injured person’s damages.

These types of claims are either resolved by a settlement agreement, or through an arbitration proceeding, as opposed to a civil lawsuit in court.  This is because the contract between the insured and the insurance carrier has an arbitration clause within it.