Another commonly asked question in personal injury cases is: The other person didn’t have insurance so what good is it to hire an attorney if there is no money to get?
Answer: Sometimes, because a person tells the police officer they do not have insurance does not mean they actually do not have insurance. We represented the family of a person killed in a motor vehicle/motorcycle accident and were told the responsible driver had no insurance and the uninsured coverage of our client was limited. With some early investigation we discovered an umbrella policy with $1,000,000 of additional insurance coverage. Had we not done the investigation and had we not dug further after being told of little or no insurance this family would have been out a substantial amount of money that was ultimately recovered. Sometimes, the person involved in the accident may not have had insurance but may have been working and the employer may have insurance. In other cases, even if they did not have insurance you may have insurance called uninsured motorist coverage, when you are injured by a person without any insurance or underinsured motorist coverage which applies when you are injured by a person with less insurance coverage than the amount of your coverage. Again, insurance coverage is a complicated area of law of which only an experienced personal injury attorney can get you the right answers and maximize your recovery.