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The underinsured motorist insurance attorneys at the Bucks County, PA personal injury law firm of Kats, Jamison & Associates understand that being in an auto accident is stressful enough, but sometimes people find themselves involved in accidents with other drivers who do not carry enough insurance to fully cover the damage. Our underinsured motorist attorneys know that you may receive extra compensation if you have underinsured motorist coverage with your car insurance. You have a very limited time to file the claim with your insurance company so you need to consult with an attorney at Kats, Jamison & Associates as soon as possible. Let us help fight for the compensation you deserve. 

Underinsured motorist cases start with proving that the other driver was at fault. Then, you must prove how much the accident cost you. Then you will need to show that the other motorist’s insurance coverage cannot fully cover your damages. At Kats, Jamison & Associates, we will conduct a thorough investigation to ensure that you recover all the money to which you are entitled to. 


In legal terms, “fault” is attributable to a party who acted negligently or wrongfully. Negligence means to harm others by failing to act carefully and safely on the road. 

Some examples include: 

  • Texting and driving
  • Aggressive driving or road rage
  • Drinking and driving
  • Driving after taking drugs
  • Fatigued driving
  • Dangerous lane changes, passing or following
  • Driving over the speed limit
  • Driving too fast in bad weather/road conditions
  • Following too closely
  • Violating any other traffic safety laws

It is difficult to claim that the other party is at fault unless the other driver openly admits responsibility for the crash. In most cases though, you will need to provide evidence of negligence to your insurance company. 

Our law firm has the resources to investigate your accident and collect evidence to support your claims of fault. Evidence can including witness statements, video evidence (from surveillance or smartphone cameras), the opinions of accident reconstruction experts, and more. If a driver was drunk, high or in violation of another law, you can use a police officer’s account or a conviction against the driver. We will seek out the appropriate evidence needed to prove the underinsured driver’s negligence in your specific case, as well as proving that you were injured as a result of the accident. 

One of the simplest ways to prove the cause of your injury is to obtain a medical diagnosis as soon as possible after the crash. A medical professional can note whether your injuries are consistent with car accident injuries and can document their severity. 


Proving fault is only the first step of a successful underinsured motorist insurance claim. You must also prove that your damages exceed the limits of the negligent driver’s insurance policy. Damages can include many different financial losses that stem from your injuries, including: 

  • Costs of emergency treatments and ambulance transportation
  • Surgeries and postoperative treatments
  • Time in the hospital or intensive care unit
  • Medications
  • Medical equipment
  • Rehabilitative and physical therapy
  • Home health care
  • Wage lost from time missed from work
  • Costs of transportation and other necessities for medical treatment
  • Estimated bills for any required future medical treatments needed

The cost of treatment may range anywhere from a few thousand to a hundred thousand, depending on the severity of your injuries. These costs alone can easily exceed a $25,000 bodily injury policy and you can use your medical bills as proof of all of the losses you have already incurred. 

Damages can increase exponentially if your injury caused long-lasting or permanent impairments or disabilities. You will need to be discharged with medical records to prove your damages. 


When you pay for an underinsured motorist policy, you expect to receive payment if you are injured by an underinsured motorist. Unfortunately, many claims get denied-either partially or completely. An insurance company will try to justify denying a claim for many reasons, including: 

  • Challenging your assertions of liability for the accident
  • Questioning the cause of your injury
  • Questioning the severity of your injuries and the necessity of all treatments
  • Challenging any estimates of future losses
  • Claiming you did not comply with all procedural requirements of your claim

Often, you can reduce the chances of a denial for the above reasons if you enlist the help of a car accident lawyer before you even file a claim. Our attorneys can help to make sure you are compliant with all requirements for your claim and will provide the most persuasive evidence possible. However, insurers may still try to deny even the strongest claims. 

If you received a denial, an attorney can appeal the denial and negotiate for the amount you deserve by presenting new evidence and arguing on your behalf. An underinsured motorist attorneys at kats, Jamison & Associates can help you file a lawsuit against your insurance company demanding full payment for all of the costs of your accident and fight for you in the courtroom and arbitrations. 


Underinsured motorist cases are complex and require attorneys who understand how to aggressively represent their clients. Call kats, Jamisons & Associates if you need a Philadelphia or New Jersey personal injury attorney to represent you, a family member, or a friend with an underinsured motorist claim, call us at (215) 396 – 9001 or contact us online.