This is so true in Florida, when the at fault party only has the state minimum $10,000 one trip to ER and follow up wipes that out in the blink of an eye, undoubtedly having Underinsured Motorist Cover on your own policy and trying to claim on it when your not at fault is as if not more difficult than claiming from the at fault party, insurance companies are a business first and foremost so they will fight you hammer and nail to avoid paying you anything if they can.
We were in an accident 100% not our faults with an accident report proving that and if they don't have enough insurance and we have underinsured motorist coverage could we still be able to ask for General damages or pain and suffering?
UM policies usually cover general damages. However, if you intend on accepting the at-fault driver's liability limits, please consult with an attorney first. The liability carrier will require a release and you must make sure the settlement with the at-fault driver's insurance company does not jeopardize your ability to pursue your UM coverage.
This is so true in Florida, when the at fault party only has the state minimum $10,000 one trip to ER and follow up wipes that out in the blink of an eye, undoubtedly having Underinsured Motorist Cover on your own policy and trying to claim on it when your not at fault is as if not more difficult than claiming from the at fault party, insurance companies are a business first and foremost so they will fight you hammer and nail to avoid paying you anything if they can.
We were in an accident 100% not our faults with an accident report proving that and if they don't have enough insurance and we have underinsured motorist coverage could we still be able to ask for General damages or pain and suffering?
UM policies usually cover general damages. However, if you intend on accepting the at-fault driver's liability limits, please consult with an attorney first. The liability carrier will require a release and you must make sure the settlement with the at-fault driver's insurance company does not jeopardize your ability to pursue your UM coverage.