When Your Expenses Exceed The Other Driver’s Insurance Coverage In Minnesota

A car accident can lead to devastating injuries and immense property damage, and in many cases it’s not uncommon for your expenses to exceed the insurance coverage of the at-fault driver. While this may complicate your ability to collect compensation, the at-fault driver not having enough insurance coverage does not render you ineligible for benefits. But where can you turn to collect the rest of what you are owed after an automobile accident? We explore where you can turn to in order to collect compensation if the at-fault driver doesn’t have enough coverage in Minnesota.

Getting Compensation From An Underinsured Driver In Minnesota

You can collect compensation for expenses like vehicle damage, medical bills and lost wages from the at-fault driver’s insurance company, and quite frankly it’s not your problem if the at-fault driver is underinsured. That said, it will become your headache, because it will take a little more concentrated effort to get you the compensation you deserve after an automobile accident. But where can you turn to collect the rest of what you’re owed? You may be able to collect additional compensation from any of these sources if the at-fault driver is underinsured:

Your Insurance Company – You can start by looking inwards and perhaps collecting additional compensation from your automobile insurance provider. If your policy includes underinsured motorist coverage (UIM), you can file a claim with your insurance company for the excess damages that are not covered by the at-fault driver’s insurance company.

The At-Fault Driver’s Umbrella Policy – While it is a little unlikely that an at-fault driver without sufficient automobile insurance coverage will have an umbrella policy, if they do, you may be able to collect through their umbrella policy.

Personal Suit Against The At-Fault Driver – You may file a lawsuit against the at-fault party for damages that exceed their automobile coverage limits. If you win your case, the driver’s wages may be garnished or a lien may be placed on their property so that it cannot be sold unless you are paid out of the proceeds.

Filing Against Another Involved Party – If multiple drivers were involved in your accident or the driver was working their job at the time of the accident, you may be able to sue multiple defendants or go after the driver’s employer for additional compensation.

As you can see, you have multiple options that you can consider pursuing, but picking the right option and pursuing aggressive compensation through your preferred route won’t come easy. Instead of trying to do this all yourself, connect with an experienced injury lawyer who knows how to best get you the compensation you deserve. You can sit back and focus on your health while we handle all the paperwork and evidence collection. We only get paid when you win your case, so let us go to bat for you and ensure you get every penny you deserve, even when the other driver is underinsured.

Fore more information about collecting compensation from an underinsured driver in Minnesota, or to talk to a lawyer about a different type of personal injury that you suffered, pick up the phone and call Dean and the team at Margolis Law Firm today at (952) 230-2700.