What if the person at fault doesn’t have insurance, or doesn’t have enough insurance?
If the party at fault doesn’t have enough insurance, your own policy might make up the difference. In this case, your carrier will typically then pursue the party to collect what they pay you. This type of recovery is only available when your automobile underinsured motorist policy exceeds that of the party at fault. Most people do not realize that their own uninsured motorist coverage can be tapped for a recovery, even though they were not even in a car when they were injured. In some cases, the party who has too little insurance may have valuable assets. In this case, your best bet can be to pursue them, rather than accepting your own carrier’s benefits. We have had numerous cases where we obtained much greater recoveries from parties at fault directly than we could have from our client’s underinsured motorist benefits. This is a lot more work, but can deliver a much greater recovery for the client. When the party at fault in underinsured, we investigate to see what property and othe
