Insurance companies are not always eager to pay out as much as you deserve. When you file a claim with the insurance company, they sometimes reduce or deny claimants the benefits and compensation that are rightfully theirs. Even though you were injured by an uninsured or underinsured driver, the insurance company is going to lose money by settling your claim. Your attorney will handle the negotiations process for you so you do not have to worry about it. It is also important to remember that the insurance company is only required to pay out up to the maximum limits of the policy. If you only purchased $50,000 per accident in bodily injury liability coverage, but your medical bills amounted to hundreds of thousands of dollars, anything beyond $50,000 the insurance company will not be required to cover. If you have questions or concerns surrounding how your insurance settlement could be affected after being involved in an accident with an uninsured or underinsured driver, contact your attorney to discuss your concerns further.