Insurance Coverage Issues When Dealing With Serious and Catastrophic Injury

Written by Adam Peck Category: Injury Law January 16th, 2013 2 min read

The insurance problems car and truck accident victims have with insurance coverage typically fall into three categories says California Personal Injury Attorney Steven C. Peck:

Uninsured Driver – Where the at-fault driver is uninsured, it can be difficult for a person who is injured in a car accident to obtain appropriate compensation. Where the injured person is uninsured, states are increasingly modifying their laws to limit the uninsured accident victim’s right to sue for pain and suffering damages. Many drivers carry “uninsured motorist coverage” through their own automobile insurance policies, so that they have a source of compensation in the event that the other driver fails to carry insurance or cannot be identified.

Underinsured Driver – Similar to the uninsured driver, some drivers carry inadequate insurance coverage, often at the minimum level required by state law. Many states have very low insurance requirements, which unfortunately means that some of the worst drivers on the road carry inadequate coverage due to the high cost of insurance which results from their bad driving records. Some carinsurance companies offer underinsured motorist coverage, so drivers can protect themselves in the event that they are in an accident caused by somebody who carries inadequate coverage.

Insurance Company Bad Faith – When people make claims with their insurance companies, they sometimes run into difficulty with the insurance company’s refusal to negotiate the claim fairly. For example, an insurance company may refuse to offer fair value for a “totaled” car. In “no fault” states, where drivers insure for their own accident-related medical care, it can involve the improper denial of coverage or reimbursement by the insurance company.

Share it

Questions? Check with Peck Today

Blog Lead Form

Elder Abuse and Neglect in Assisted Living Facilities

Elopement in Nursing Homes

Assisted Living Abuse

Settlement Reached in Assisted Living Facility Death

Assisted Living Abuse and Neglect Attorneys

Written by Adam Peck

Expertise: Personal Injury

Adam J. Peck, ESQ is a principal with Peck Law Group, APC. In 2008, Mr. Adam Peck received his Juris Doctorate from Whittier Law School where he graduated Cum Laude. His practice is primarily dedicated to representing Elders, Dependent Adults, along with their loved ones and family members, who have suffered horrific personal injuries.