The Pervasive Problem of Underinsurance

For those who have been involved in collisions with uninsured motorists before, the difficulties of attempting to resolve the damages caused by an accident are likely all too fresh in memory. There is a different threat that looms as insurance becomes mandatory in Wisconsin on June 1, 2010. That is the problem of underinsurance.

If you are finding that the benefits payable under an at-fault driver’s insurance policy are insufficient to meet the demands of your medical bills, automobile repairs, or other damages, then it might be appropriate to consider filing a civil claim. Contact the Racine car accident lawyers of Habush Habush & Rottier S.C. ®, at 800-242-2874 for assistance.

The Benefit Gap

Drivers pay their insurance premiums dutifully so that they will be financially protected in the event of an accident. But like every other purchase one makes, there is an effort made to minimize the cost. This tends to play out in the following way when it comes to automobile insurance:

• The state government establishes minimum policy benefit thresholds for various forms of coverage
• A driver purchases a policy that covers the minimum only, because it is cheapest to do so
• The policy maximum benefits are insufficient for the rapidly escalating cost of medical care, and the accident victim is stuck with hefty debts

If you are having difficulty negotiating a fair insurance settlement following an accident, you may need to file a claim against your insurance company or the other driver’s. Our Racine underinsured motorist accident attorneys can provide further information about your options.

Contact Us

You should not have to pay for another driver’s failure to do the socially responsible thing by purchasing an adequate car insurance policy. Contact the Racine car accident lawyers of Habush Habush & Rottier S.C. ® at 800-242-2874.