Uninsured Motorist Claim: Know Your Options
There are many reasons that insurance companies will make a lowball insurance settlement offer. But that doesn’t mean you have to accept it. Normally, the injured party is dealing with the at-fault driver’s insurance company adjuster, but in an uninsured motorist claim, that isn’t the case. In an uninsured motorist claim, the injured party is actually negotiating with their own insurer to get a settlement based on their own uninsured motorist policy coverage.
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How to File an Underinsured Motorist or Uninsured Driver Insurance Claim
When a car crash occurs and the at-fault driver has no car insurance or not enough liability coverage to pay for the bodily injuries and/or property damage caused by the accident, the victim of the car accident may be left to file a claim under their own car insurance policy. These types of claims are referred to as underinsured motorist or uninsured driver.
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We Help Car Accident Victims Hit By an Uninsured Motorist
If you have been in a car accident involving an uninsured motorist then you know the importance of uninsured motorist coverage. This type of car insurance is used when a person is hit by a driver who does not have car insurance and the car crash is determined to be that driver’s fault. As a general rule, the victim doesn’t sue the uninsured driver directly; they make a claim against their own insurance company up to the limit of their uninsured motorist coverage and the amount of their primary coverage. For example, if a driver carries $150,000 in coverage for negligence in a car accident, then they can only claim up to that amount in an uninsured or underinsured motorist claim. Another version of this type of claim is underinsured driver coverage; this is used when a car accident is caused by a driver who carries insufficient car insurance.
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