Car Accident Lawyers : Underinsured Motorist Claims
Are you having difficulty in filing an uninsured motorist or under-insured motorist claim? Our car accident lawyers can help you with your uninsured / under insured motorist claim.
Uninsured and under insured motorist coverage insurance is an optional form of insurance coverage that many people purchase. In fact, many car insurance providers will include it as part of a default package.
The idea behind this type of insurance coverage is that in the event your vehicle is struck by a driver that does not have any car insurance coverage, or does not have enough car insurance coverage to cover the full extent of you property damage or injuries, you will be able to file a claim against your own insurance company under the uninsured/ under insured portion of your insurance policy.
This is a fairly common scenario because most motorcycle accident drivers only carry the minimum insurance coverage that is required by law. It is very easy for the total of your property damage and personal injury damages to exceed the value of their policy. In most cases, their insurance company is not required to pay beyond the amount of the coverage that their insured purchased.
Difficulties in filing an UM claim
As you are probably aware, the whole idea behind the insurance industry is that they are banking on the fact that they will likely never have to pay out on most policies. Uninsured/ underinsured coverage works the same way only more so. Naturally, you will only receive a payout if you meet certain requirements and so forth.
The biggest hurdle to overcome is that you must completely exhaust the defendant’s insurance policy before any under insured money will be disbursed. If the defendant’s insurance company does not release their policy limits, you may never get be able to take advantage of a UM claim. Thus, it is imperative to have the help of an aggressive car accident injury attorney who can recover the full limits of the defendant’s insurance policy.
Practice Areas: Car Accidents, Trucking Accidents. On the Job Injuries. Wrongful Death. Construction Accidents, Boating Accidents, Premises Liability. Contact Us
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