Getting into an automobile accident is terrifying and stressful. Unfortunately, there are people who choose to drive without liability insurance. If you are the victim of a wreck and the other driver does not have appropriate insurance, file an uninsured motorist claim.
Uninsured Motorist Claim and Coverage:
An uninsured motorist is a driver who does not carry liability insurance. If the at-fault driver does not have insurance, you will need to consider filing a claim. All auto insurance policies are required to have uninsured motorist coverage that has at least $25,000 per person and $50,000 per accident.
Check Your Uninsured Motorist Coverage:
Many drivers do not know their coverage numbers and may have the lowest requirement. It is crucial for you to call your carrier to verify your numbers and discuss increasing coverage if needed. Luckily, uninsured coverage is relatively inexpensive.
Get Representation Before Filing Your Claim:
When you are in an accident you should have your property and medical damages paid for in full. It is very stressful and time-consuming when dealing with your insurance company during the claim process. It is easy to accept certain arrangements just to be done with the claim. Because of this, it is important to seek representation from an experience injury lawyer to complete your claim. When you deal directly with the insurance company, you may not receive enough money to cover all your medical bills or to replace your car. Allow a lawyer to do the debating for you. Insurance companies use lawyers for claims, and it might be very difficult to understand the language that they use.
If you find yourself in a bad situation needing to file an uninsured motorist claim, hire a lawyer to handle the stressful situation. A professional will work on your claim and stay in constant contact with you. If you have been in an accident that is not your fault, contact us.