If you are in an auto accident due to the negligence of another driver, you typically will seek compensation from the negligent driver’s insurer based on their insurance policy. However, don’t expect the other insurance company to pay anything until your case has been settled.
Using UM/UIM Benefits
If the driver was uninsured or underinsured, and if you have coverage through your own insurance policy or the policy covering the vehicle in which you were riding, you can make a claim for these benefits. This is often referred to as Uninsured/Underinsured Motorist (UM/UIM) insurance coverage.
Seeking these benefits should not affect your future cost of insurance if you were not the negligent party. They are part of your regular monthly policy premiums. Your insurance agent can explain the details of your coverage.
The Value of Legal Representation
Seeking the assistance of an experienced personal injury attorney is the best way to protect your rights after being injured by a negligent driver. Contact Steffens Law Office today to schedule a free, no-obligation initial consultation. We provide experienced, aggressive representation for injured drivers or passengers in Broken Bow, Nebraska and the surrounding communities.