The law requires drivers to have car insurance to operate their vehicles legally. Insurance protects drivers and passengers in case of an accident and helps cover the costs of damages or injuries. A car accident attorney is a licensed legal professional who helps victims of accidents get justice from insurance companies, especially if they are uninsured or underinsured. Here is what you need to know about uninsured or underinsured motorist claims:
Uninsured Motorist Claims
Uninsured motorist (UM) coverage is a type of car insurance that protects drivers if they are involved in an accident caused by an uninsured driver. In some states, UM coverage is mandatory, while in others, it is optional. If the at-fault driver does not have any insurance, the victim’s UM coverage will kick in to cover medical expenses, lost wages, and other damages. This type of coverage is beneficial for drivers who are involved in hit-and-runs or accidents with uninsured drivers. A car accident attorney understands the dynamics of UM claims, and they offer legal guidance and protect clients’ rights through the court process.
Underinsured Motorist Claims
Underinsured motorist (UIM) coverage applies when the at-fault driver’s insurance coverage is not enough to cover all the victim’s damages. If a victim’s medical expenses exceed the at-fault driver’s liability limits, UIM coverage may help cover the remaining costs. The specific rules and regulations for UIM coverage vary by state and depend on the state’s insurance laws. Filing a UIM claim requires thorough knowledge of insurance policies and coverage limits. A car accident attorney is experienced in dealing with UIM claims and can file a lawsuit on behalf of the victim to recover compensation.
The Claims Process for UM and UIM
The process for filing a UM or UIM claim is similar to filing any other car insurance claim. The victim must gather evidence, such as police reports and medical records, to support their claim. They need to notify their insurance company of the accident as soon as possible. Here are some steps to follow when filing a UM or UIM claim:
Report the Accident
Reporting the accident to the insurance company is the first step in filing a UM or UIM claim. The victim needs to notify their insurance company within a specific time frame, which varies by state and insurance provider. Report the accident as soon as possible to avoid any delays or complications in the claims process.
Gather Evidence
The victim needs to gather evidence to support their claim, including police reports, witness statements, and medical records. Document all injuries sustained in the accident and any related expenses. A car accident attorney depends on tangible evidence when negotiating with insurance companies.
File the Claim
The attorney can help the victim file a UM or UIM claim. A legal expert has a thorough knowledge of insurance policies, coverage limits, and state laws. The victim needs to provide their attorney with all the information to file a strong claim on their behalf. Insurance companies evaluate the claim and make a settlement offer.
Negotiate with Insurance Company
The insurance company investigates the claim, which may include evaluating your injuries, property damage, and the circumstances surrounding the accident. With the help of an experienced attorney, the victim can negotiate a fair settlement offer. The attorney reviews the insurance company’s evaluation and advocates for fair compensation. The resolution of a UM or UIM claim depends on the strength of evidence and negotiation skills.
Get Legal Assistance from a Reliable Car Accident Attorney
Having insurance coverage for your vehicle helps protect you from unforeseen financial burdens in case of an accident. Comprehensive insurance, third-party insurance, and collision coverage are some of the options available for vehicle owners. The process of claiming compensation from an insurance company requires the assistance of a car accident attorney. They can help negotiate a fair settlement offer and advocate for your rights. Contact a reliable car accident lawyer for legal assistance during a car accident claim process.
