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Minnesotans have options when the at-fault party has no insurance

On Behalf of | Mar 7, 2019 | UM/UIM Coverage |

When a motorist in Minnesota is involved in a car crash, they may be thankful that they have auto insurance. However, what happens if the other motorist is uninsured? Can the injured party still receive benefits to cover medical expenses and property damage?

Uninsured motorist accidents may be more common than you think. In fact, approximately one out of seven motorists in Minnesota do not have the requisite auto insurance. However, you may have uninsured and underinsured motorists coverage on your own policy that may cover the expenses the at-fault party would have paid under their insurance policy, if they had it.

That being said, insurance carriers are often hesitant to pay what you are owed, and their initial offer may be much lower than what is needed to cover all your expenses. This can be incredibly frustrating, as we pay auto insurance premiums with the expectation that we will be fairly compensated in the event of a crash. Fortunately, help is available in such situations.

At our firm, we understand the complexities of uninsured and underinsured auto insurance coverage. We aim to ensure our clients receive the compensation they deserve. A person who has suffered injuries in an auto accident may have several legal options to consider with regard to pursuing compensation. We want to make sure our clients understand what these options mean, so they can make decisions that are in their best interests. The uninsured and underinsured motorist coverage section of our website has more information on this topic that may be of use to those involved in car accidents.