If you have been hit by an uninsured driver or a driver who had insurance, but not enough to cover your injuries and damages, you may have a claim for Uninsured Motorist (UM) or Under Insured Motorist (UIM) benefits under your own policy. If you make an UM or UIM claim,
your own insurance company will step into the shoes of the at fault driver and has the right to use all defenses that the other driver may have had against you. Let me repeat -- your own insurance company will be acting against you. An uninsured/under insured motorist claim creates an adversarial relationship between you and your own insurance company.
Do not be fooled into thinking that since it is your own insurance they will treat you fairly. They will not. As in all cases, the insurance company will have investigators, adjusters, lawyers, and medical consultants working against you in order to pay you as little money as possible.
For these reasons we strongly suggest you retain experienced personal injury attorneys, like Collins Law Offices if you are dealing with an uninsured/under insured motorist claim.
If you do not have UM/UIM coverage and are injured by an uninsured or under insured driver, you may have no possibility of recovery or suitable recovery of your damages. This is why it is extremely important to buy and maintain the highest amount of UM/UIM coverage that you can afford. Your liability insurance covers the other person if you are at fault. UM/UIM coverage protects you.
Yes, there is a law that all drivers carry insurance, but it is often not followed, and the other driver getting a ticket is not going to compensate you for your injuries and time off of work. You can attempt to pursue the uninsured person individually, but, probably, if the person cannot afford liability insurance, he or she probably has nothing to collect against.
If you have questions about this or would like us to review your case
Call today for a free consultation at 256-739-1962
Or
Click here to submit any questions or obtain a free case evaluation.
your own insurance company will step into the shoes of the at fault driver and has the right to use all defenses that the other driver may have had against you. Let me repeat -- your own insurance company will be acting against you. An uninsured/under insured motorist claim creates an adversarial relationship between you and your own insurance company.
Do not be fooled into thinking that since it is your own insurance they will treat you fairly. They will not. As in all cases, the insurance company will have investigators, adjusters, lawyers, and medical consultants working against you in order to pay you as little money as possible.
For these reasons we strongly suggest you retain experienced personal injury attorneys, like Collins Law Offices if you are dealing with an uninsured/under insured motorist claim.
If you do not have UM/UIM coverage and are injured by an uninsured or under insured driver, you may have no possibility of recovery or suitable recovery of your damages. This is why it is extremely important to buy and maintain the highest amount of UM/UIM coverage that you can afford. Your liability insurance covers the other person if you are at fault. UM/UIM coverage protects you.
Yes, there is a law that all drivers carry insurance, but it is often not followed, and the other driver getting a ticket is not going to compensate you for your injuries and time off of work. You can attempt to pursue the uninsured person individually, but, probably, if the person cannot afford liability insurance, he or she probably has nothing to collect against.
If you have questions about this or would like us to review your case
Call today for a free consultation at 256-739-1962
Or
Click here to submit any questions or obtain a free case evaluation.
RSS Feed