Even though you did not cause the accident, your automobile insurance may cover your injuries pain and suffering, and medical bills.

Uninsured Motorist’s coverage could apply if the dirver responsible did not have insurance.

Underinsured Motorist’s coverage would apply if the other driver had coverage, but the value of your claim exceeds the other driver’s coverage. The underinsured motorist’s coverage must be more than the other driver’s coverage for the underinsured motorist’s coverage to apply.

Of course, you would need to have these coverages on your auto insurance policy – or the policy that covered the car you were in at the time of the accident.

If this coverage applies to your injury claim, your insurance may not be acting completely on your behalf, but will be processing the claim as is you are any “regular” injured person bringing a claim against the insurance company. You are an adversary seeking damages from your auto insurance company and that company has the right to raise any defenses or objections to your claim.

If you agree to settle  your claim with the other driver’s insurance, you may be destroying your ability to get additional settlement monies from your carrier. Therefore it is important to consult an attorney to make sure you maximize your recovery and do not bar your recovery from any applicable auto insurance policies.

Contact us at our Cleveland or Ashtabula offices to discuss your claim and how we may help you recover monetary damages for your injuries. If you are unable to come to our offices, we can come to you.