What if my uninsured-motorist coverage is greater than the other person’s liability coverage?
Your uninsured-motorist insurance may also provide underinsured-motorist coverage. If you have more than $15,000 per person and $30,000 per accident uninsured-motorist coverage, your higher limits will be available to you after you have exhausted the liability limits of the at-fault persons insurance policy. For example, if your damages are $100,000 and the at-fault person has $15,000 in coverage, assuming you had the foresight to purchase $100,000 per person uninsured-motorist coverage, you could collect the first $15,000 from the at-fault persons policy and then recover an additional $85,000 from your underinsured-motorist coverage.
If your uninsured-motorist coverage is greater than the other person’s liability coverage, call the Law Offices of Donald S. Sjaarda at 714-963-8216 for prompt attention to your case.