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I was in a accident. I was in the car, but not as the driver. I fractured my back. Now during the accident, the driver didn''t have insurance, so I''m in the middle of a lawsuit. Since the driver didn''t have insurance or any way to pay my bills, I think its called a judgment where i got after my insurance(if that makes since to you) I had a 1 million dollar umbrella policy under me as well. What does all this mean and can I do..Please help
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You may very well have a claim against your own insurance company for uninsured motorist coverage. Every state has unique laws regarding uninsured motorist insurance and when the coverage will apply. If you had an umbrella policy, it is possible that you have coverage for your injuries under that policy if the driver who was at fault either did not have insurance, or was underinsured. I would instruct you to contact an experienced personal injury attorney in your jurisdiction to assist you in this determination. Keep in mind that there are deadlines for making claims, so you should act quickly.
Chip Clark is an Indianapolis injury attorney, who practices throughout the state of Indiana.
Answered on Jan 23rd, 2012 at 1:20 PM