Horlacher Necci


Frequently Asked Questions

The person who hit me does not have insurance. What can I do now?

The vast majority of insurance policies these days carry Uninsured Motorist Coverage and/or Underinsured Motorist Coverage. You probably have such coverage and don’t even know it. Trained, experienced car accident attorneys know every avenue to seek compensation from and will help you find the same. 

Uninsured Motorist Coverage comes into play when the at-fault driver does not have insurance at all. It is, quite simply, your insurance company pretending to be the at-fault driver’s insurance. Therefore, all of the above suggestions about protecting your rights apply. Don’t think that because you are a customer they will treat you any more fairly than another company. Its still their job to pay as little as possible toward your claim. 

Underinsured Motorist Coverage works in a similar manner and comes into play when the other party has insurance but does not carry enough in its policy limits to fully compensate you for your injuries. 

The Tennessee and Wisconsin personal injury attorneys at Horlacher Necci have found coverage for car accident clients who believed their case was a total loss. We would love to help you in the same way. 

Dan Necci