Minnesota Uninsured Motorist Claim
What if the person who caused my Minnesota car accident doesn’t have any auto accident insurance?
If the person who caused your car accident does not have any auto accident insurance, you will be able to make a claim against your insurance company if you have uninsured motorist coverage, which pays for many (but not all) of the things that the other person’s insurance would have paid if it existed. Check your policy. If you are not sure if you have uninsured motorist coverage, contact a Minnesota car accident lawyer at our law firm: 612-338-0202, 1-888-377-8900 (toll-free) or free consultation form.
Uninsured motorist insurance often covers the following:
- Medical bills and wage loss
- Pain, suffering and disfigurement
- Emotional distress
- Loss of future earning capacity.
There are some things that uninsured motorist coverage may not cover, including:
- Damage to your car (but you may also have collision coverage that does pay for property damage, less your deductible)
- Punitive damages.
Uninsured motorist coverage is not a gift or present from your insurance company. You already paid a premium for it, so don’t think you’re taking “advantage” of your insurance company because you have to make an uninsured motorist claim. You also don’t have to worry that your premium will go up if you make an uninsured motorist claim; Minnesota prohibits premium increases if the accident wasn’t your fault.
Tags: Minnesota auto accident insurance, Minnesota car accident lawyer, Minnesota uninsured motorist
