Question Regarding Underinsured Motorist

Can I collect from an underinsured driver? He only has $25,000 and my medical bills are already over $50,000?

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Asked 8 minutes ago - Sacramento, CA

Practice area: Car Accident - Edit

• Car Accident Injury 
 
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The boy rearended me and takes full responsibility, but only has $25,000 coverage. I have no health insurance and unfortunately, I just discovered I don't have medical coverage for myself on my own auto policy. Is it possible to collect money from him to cover my medical bills, not to mention my lost wages, I couldn't work for 6 weeks after the accident? I consulted an attorney today, but I don't want to be on the line for 40% of his $25,000 if the chances of collecting beyond the $25,000 aren't great. I just don't want to be stuck with a bunch of bills I can't afford to pay. I already had to borrow money for rent this month as it is.

2. Licensed in CA

   

   Steven Mark Sweat PRO

   Beverly Hills Car / Auto Accident Lawyer

   Answered less than a minute ago. What you need to do is check your own policy coverages. If you have UNinsured motorist coverage, you also have UNDERinsured (UIM) motorist coverage. If the limit of your UIM coverage on your own auto insurance policy is more than $25,000, you could collect the overage through your own carrier. A good personal injury attorney could get to the bottom of this issue fairly quickly.