It is easy to mistakenly believe that simply because you have automobile coverage, you will be fully covered in the event of an accident. The truth, however, is that insurance companies only pay claims themselves if the driver on their policy is responsible for causing the accident. If you are involved in an accident and another driver is at fault, their insurance company is financially responsible for the damages related to the injury.
What, then, happens when the other driver at fault either has no insurance or has insufficient insurance? Who will pay for the expenses related to fixing your car or any other related medical expenses? The answer, unfortunately, is you. If you do not have an uninsured motorist policy with your insurance company, you have very little recourse outside of contacting an experienced Indianapolis uninsured motorist lawyer.
The other driver is still financially liable for any injuries, damages, and expenses he or she may have caused. However, finding a way to receive the compensation that you deserve is difficult if not impossible without an Indianapolis underinsured motorist lawyer; people are extremely reluctant to part with their money unless they feel like they have to.
If you or a loved one has been in an accident caused by an uninsured or underinsured motorist, contact the Indianapolis underinsured motorist attorneys of the Hankey Law Office at (800) 520-3633, and we will help guide you through the legal process, fighting to earn you the maximum possible compensation you may be owed under the law.