Iowa Underinsured Motorists Lawyer
Although all states require auto insurance or proof of financial responsibility, not all drivers choose to purchase enough insurance coverage to fully cover the damages they cause in an auto accident. If one of these underinsured drivers hits you, you can be forced to cover the damages unless you have underinsured motorist coverage, or UIM.
Frustratingly, even if you have UIM, your insurance company may still refuse to pay the repairs, medical bills, and other expenses relating to your accident with the underinsured driver. If your insurance company has refused to provide you with the coverage you deserve, contact a tenacious Iowa underinsured motorist attorney from LaMarca Law Group, P.C., today at 877-327-2600 for a free case evaluation.
Understanding Underinsured Motorist Coverage
An underinsured driver is one who has purchased the minimum amount of coverage required by the state but does not have high enough limits to fully cover the damages you have suffered. With underinsured motorist insurance, your insurance company agrees to help protect you from such drivers. Your insurance company may cover the costs that the underinsured driver could not, which may include:
- Medical bills
- Property repair costs
- Funeral expenses (if the accident caused a death)
- Insurance Bad Faith
If you have UIM coverage, your insurance company has agreed to cover a specific amount of damages resulting from an accident with an underinsured driver. However, your insurance may later refuse to cover this amount, instead claiming that the other person’s insurance should cover it all or simply refusing to face the expenses altogether. This refusal to pay the agreed-upon coverage is a form of insurance bad faith.
After an auto accident, you already have to face physical injuries and emotional trauma. You should not have to struggle with your insurance company to get the coverage you deserve. If you are a victim of insurance bad faith, a knowledgeable Iowa underinsured motorist attorney can help you fight back. Contact the respected firm of LaMarca Law Group, P.C., at 877-327-2600 today for a free initial consultation.