Q: Someone rear-ended me, and I just found out that they weren't adequately covered in terms of insurance. Does that mean I
can't recover medical expenses incurred? What are my options?
A: If you have automobile insurance, you can collect under your uninsured motorist (UM) coverage, or your underinsured motorist (UIM) coverage. Contact a personal injury attorney to discuss the circumstances of your case.
A: Sorry to hear this happened to you. You can file a claim for personal injury protection benefits under your own policy. This would create a source of funds available to pay medical expenses up to the limits of your policy- typically $2,500. You may also file a claim against your own uninsured/underinsured motorist policy. This would create an additional source of funds available to pay medical or other expenses, up to the policy limit. You would probably be best served by immediately consulting with an experienced personal injury attorney.
It depends what you mean by adequately covered. If they have no insurance, then you can make a claim them personally and/or make a claim against your own insurance policy for uninsured motorist benefits. This would depend upon the limits of your insurance coverage to determine whether you can recover the full amount of your claim.
If they have some insurance, you would need to proceed first against them and then against your own policy as well.
If they were working, that is another possible source of recovery.
I would recommend speaking with car accident lawyer who is familiar with this process.
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