Bodily Injury insurance coverage is the at-fault party’s insurance that compensates an injured party for the injuries and other losses that have been incurred. Once your Personal Insurance Protection has paid your initial medical bills (typically up to $10,000) your attorney will then make a claim with the Bodily Injury coverage of the driver at-fault. During this phase of your case, negotiations will drift back and forth between the insurance provider for the at-fault driver and your attorney. Once a settlement has been reached, you will receive a payment excluding any attorney fees and unpaid medical expenses. If a settlement cannot be reached between the at-fault’s insurance provider and your attorney, your case will then be litigated and may proceed to trial.
If your are adequately compensated by the at-fault driver’s Bodily Injury insurance, but the amount is still insufficient to cover all your medial expenses, your attorney will then make a claim with your Uninsured/Underinsured motorist coverage. It is important to realize that many cars are on the road with NO Bodily Injury Liability coverage or INSUFFICIENT Bodily Injury Liability coverage to cover a major injury. What this means is that it is essential that you obtain Uninsured/Underinsured Motorist coverage. This coverage will enable you to collect what you would otherwise obtain from the at-fault driver’s Bodily Injury insurance provider if there was sufficient liability coverage.