How Do I Know I'm Protected from Low Legal Limits?

There are a lot of different types of insurance out there, and most people think that if they have their bodily injury and their liability coverage on their care they are good to go. But did you know that the acceptable legal limits for carrying insurance in DC is only $25,000.00? That's not going to cut it if you have a serious injury, lost wages, and other incidentals.

After you’ve been hurt in a car accident that was the other driver’s fault, you can get some more bad news…the guy who hit you doesn’t have insurance or doesn’t have enough insurance to take care of your medical bills and lost income.

What Should I Do Next if I'm Hit by Someone With Low Coverage?

Hit By Someone Without Insurance in DC, Maryland or VA?First there are steps to take to legally require the other driver’s insurance company to disclose the amount of insurance coverage the other driver has (we always do this for our clients). Once you know this (or even suspect it) you should immediately check your own car insurance policy, looking for Uninsured or Underinsured Motorist Coverage. If the guy who hit you doesn’t have insurance then your Uninsured Motorist Coverage should apply to compensate you for your injuries, up to the policy limit.

Let’s say the other driver has a policy limit of $25,000 but your injuries are severe and that is not enough to even pay for everything you’ve been through. You can make a claim and file a lawsuit if need be, against the Underinsured Motorist coverage on your policy, to step in and pay the remaining amount you are legally entitled to over the $25,000.

If You're Confused, Contact Our Experienced Car Accident Lawyers Today

It can be – UM and UIM cases are governed by state law where the policy was issued, so that varies quite a bit, and every state has a different law and procedure. While we tell people with minor injuries and small accidents that they can handle it themselves all the time, this area is a lot more complicated and difficult, and filing in the wrong state, or not doing it right, could end up costing you a lot of money in lost benefits. Just call in and talk to us at (202) 393-3320. We’re happy to help and answer questions you may have and get you started on the right track after a serious car accident.

Frank R. Kearney, Attorney-at-Law
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Experienced DC Workers' Comp, Long Term Disability & Accident Lawyer