Our client was driving to work in his employer’s car at 2:00 a.m. in the morning when he was hit by a car that ran the red light. It turned out that the driver of the other car was drunk and was taken by police from the scene of the accident. Our client was hospitalized and spent 3 days at a hospital. Upon release, he followed up with physical therapy and was treated for 6 months. We collected all his bills and records. The total amount was more than the limits of the guilty party’s insurance coverage.
This is a very common issue when the extent of the injuries is bigger than the available coverage. In such cases, we always look into our client’s insurance coverage. On the declaration page of any insurance, there has to be a disclosure for medical coverage, uninsured coverage, general liability, and under-insured coverage.
In this particular case, we looked into under-insured coverage. Such coverage is designed to compensate the victim for the remainder of the amount that was not covered by the guilty party. Therefore, in this matter, we were able to collect compensation for our client from the guilty driver and from our client’s underinsurance coverage.