If the other driver’s insurance is not enough to compensate you for the extent of your injuries, the next step is to see whether you had “under-insured motorist coverage” on your vehicle at the time of the accident. If so, you may be able to make a claim on your own policy for the damages that exceed the amount of the liability coverage. Let me give you an example: You are rear ended in a car accident. The person who rear ended you had $100,000 of liability coverage to pay for your injuries. However, the value of your claim is $250,000. Let’s say you had $250,000 of under-insured motorist coverage on your own policy for the vehicle you were driving at the time of the accident. In this example, you might be able to recover $100,000 from the at-fault party, plus an additional $150,000 in under-insured motorist benefits from your own policy.
