Auto Insurance, Homeowners’ Insurance and Health Insurance Assistance

Uninsured motorist (UM) coverage is an option you can purchase from your auto insurance company to provide compensation to you, your family and passengers in case you are injured in an auto accident caused by a negligent driver who has no insurance. Another option is underinsured motorist (UIM) coverage, which provides you with compensation if a negligent driver has insurance, but not enough to cover the full costs of your injuries. These coverage options help pay for medical bills, lost wages and other damages.

If you have been injured in an accident that occurred on someone else’s property, you may be able to recover compensation from that person’s homeowners’ insurance. Homeowners’ insurance covers injuries from a slip and fall or a trip and fall caused by dangerous or defective conditions such as: broken steps, slippery floors, or poor lighting. Many homeowners’ insurance policies also offer coverage for injuries caused by dog bites.

If you were injured because of a negligent third party, such as in car accident, in a workplace accident or by medical negligence, it is essential that your health insurance cover your medical expenses. Our lawyers work hard to make sure you receive the medical care that you need after an accident or injury and help you enforce your rights against insurers and negligent parties.

When an insurance company pays you on a claim for injuries caused by a negligent third person, it may still pursue the negligent party in court to recover the payments made to you in a subrogation action. When you recover compensation for your injuries directly from the negligent party, your insurance company may recover any money paid to you, but you keep any funds in excess of those payments.