05/28/2026
🚨 WHO REALLY PAYS AFTER A CAR ACCIDENT? 🚨
If you were injured in a car accident, there may be MORE than one insurance policy available to compensate you — and most people never realize it.
🔹 THIRD-PARTY LIABILITY CLAIM
This is the claim filed against the at-fault driver’s insurance company. If another driver caused the crash, their bodily injury liability coverage may be responsible for paying for:
✔ Medical bills
✔ Lost income
✔ Pain & suffering
✔ Future treatment
✔ Permanent injuries
But insurance companies are trained to protect their bottom line — not yours. Many injured victims settle too early without knowing the full value of their case.
🔹 UNINSURED / UNDERINSURED MOTORIST CLAIM (UM/UIM)
What if the driver who hit you has NO insurance — or not enough insurance to fully cover your damages?
Your own uninsured/underinsured motorist coverage may step in to compensate you for your injuries and losses. This is coverage many people pay for every month without realizing it can protect them after a serious accident.
💰 In some cases, multiple insurance policies may apply — potentially increasing the compensation available to you.
Knowing your rights can make the difference between a low settlement and the recovery you truly deserve.
📞 The Law Offices of Settlement Plug & Associates PLLC
Protecting your rights. Maximizing your recovery.
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