Auto insurance is a requirement for every driver and vehicle on the road today. Even so, there are a frightening number of drivers who are carrying expired insurance or blatantly driving with no insurance at all. Getting into a car accident with an uninsured motorist can leave one with mounting medical bills and costly repairs that may cause financial strains or even bankruptcy. If you are involved in a car accident with an uninsured motorist or a driver with less than sufficient coverage, you may be responsible for paying medical expenses and damages out of your own pocket. Even if the driver is carrying the minimum coverage, that may not be enough to cover the cost of damages and medical expenses incurred during the accident
What Exactly Is Uninsured Motorist Coverage?
Insurance companies offer Uninsured Motorist or Under-insured Motorist coverage to help protect drivers from these exact scenarios. This coverage traditionally pays for pain and suffering, physical and property damages, medical expenses as well as lost wages. Insurance companies are required to offer you this coverage when purchasing a liability policy so ask for it specifically if you have to. Uninsured/Under-insured motorists coverage is considered optional coverage but we highly recommend anyone driving purchase this particular insurance coverage.
If the uninsured or under-insured motorist is responsible for the accident, the insurance company is obliged to apply the appropriate coverage. Making an uninsured motorist claim is unique in the fact that you are asking your own insurance company for benefits even though you were not at fault for the accident. Unfortunately, most insurance companies are only interested in their bottom line and are often unwilling to pay the full benefits to which you are entitled. As your insurer, they have a responsibility to handle your claim fairly.
In these cases, your insurance company becomes your adversary rather than your advocate, creating an uncomfortable situation, one which may require legal counsel to ensure proper compensation for the accident.
How an Uninsured Motorist Car Accident Lawyer Can Help
It goes without saying that insurance companies can be difficult to deal with, especially if you attempt to make a claim yourself. Some companies employ underhanded tactics in an attempt to wear claimants down. This tactic often leads the insured to “give in” and accept their low-ball settlement – to which we say, don't. As a paying customer, you deserve the full compensation you are rightfully entitled to and expected as part of your policy's coverage. The insurance company has a duty to oblige your claim if the uninsured motorist is at fault.
If you were injured in an auto accident with an uninsured motorist, you need to contact an experienced car accident lawyer as soon as possible. You need to understand what your rights and options are and even what your car accident case is worth. The Law Firm of Jeremy Rosenthal is committed to protecting each client's rights and will help you obtain the best judgement available by law.Attorney Rosenthal understands how the claims process works thanks to time spent working for the insurance companies themselves. Our experience litigating numerous uninsured motorist cases to the best available outcome for our clients is the type of track record you'll want for your uninsured motorist claim. Call us at 303-825-2223 today and let's together, we'll make sure that justice is served.