Can I make a claim with my own insurance if the other driver is underinsured?

I wasn't at fault in an accident and the other driver only has $25,000 in liability coverage. My medical bills and the damage to my vehicle have exceeded this limit. I do have uninsured/underinsured motorist coverage. Am I able to submit a claim to my own insurance?

“If you do have uninsured/underinsured motorist coverage on your insurance policy, you should be able to make a claim. The purpose of underinsured motorist coverage is to cover any expenses or damages you may have if an at-fault driver doesn’t have enough coverage of their own.
In this situation, you should call your car insurance company to provide them with any additional expenses that are currently unpaid. This can also include loss of work and pain and suffering.
You’ll also want to verify the amount of coverage you have and any stipulations that may be in your policy.
Once your claim is processed, your insurance company will provide you with a settlement amount. You’ll have the opportunity to either take it or possibly negotiate a different amount. “
Emily Maracle
Answered on May 10, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

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