We all know car accidents are stressful and hectic. Imagine the added burden of getting into an accident with someone who doesn’t have insurance. This makes everything even more complicated.
If you find yourself in such a situation, an uninsured motorist (UM) claim will be used to cover damages and medical bills. Victims can consult a car accident lawyer to represent their interests during a claim. Understanding how UM works and how to successfully file a claim is important in protecting your interests.
What is an Uninsured Motorist Cover?
This is a type of insurance that protects you if you are in an accident with a driver who doesn’t have any insurance. According to the Insurance Research Council, around 14% of drivers in the country are uninsured. If you don’t have this coverage, you risk paying for everything out-of-pocket.
Many companies offer underinsured motorist coverage together with uninsured. This is used when a driver has insurance, but it isn’t enough to cater for your expenses.
Is Uninsured Coverage a Must?
Not all states require UM. States that don’t require this may still offer the cover if you request it. Even though it isn’t legally required, having a UM is a very smart financial decision, as it protects you if you’re in an accident with an uninsured driver.
It can help by covering:
- Medical expenses
- Lost income
- Pain and suffering
- Vehicle repairs.
How to File an Uninsured Accident Claim
Taking the right steps after an accident can play in your favor in a UM claim.
- First, call the police to get an official report that states the other driver was uninsured and at fault.
- Next, collect enough evidence at the scene, including photos of the accident and witness statements.
- Notify your insurance company as soon as possible since UM claims require timely reporting.
- Submit your medical records and estimates of how much the repair will cost
- Follow up on your claim. Insurance companies take time to review and process a claim. Staying in touch can speed up the process.
Additionally, check your local laws, as UM deadlines vary. Alternatively, consult a car accident lawyer to guide you through the processes.
Challenges of Uninsured Motorist Claims
Filing a UM claim isn’t straightforward. The main challenge comes from disputes over liability. Insurance companies may argue that you shared some responsibility in the accident to reduce the payout. There is also a high risk of your claim being denied because of a lack of evidence, late submission, or policy exclusions.
After a claim is approved, you may get a low settlement less than what you deserve. To avoid these challenges, keep all the documents, understand your policy, and don’t hesitate to consult an attorney.
A lawyer can help you by negotiating with your insurer to minimize the settlement and represent you in case litigation is necessary. Additionally, they can help you collect the necessary evidence to strengthen your case.
Conclusion
Underinsurance motorist coverage is an essential policy as it protects you in case of an accident with someone who is not insured. To stay protected, review your vehicle insurance policy and add UM if you don’t have it already. Also, when you are faced with legal difficulties, don’t hesitate to reach out to professionals to give you the right guidance.
Lynn Martelli is an editor at Readability. She received her MFA in Creative Writing from Antioch University and has worked as an editor for over 10 years. Lynn has edited a wide variety of books, including fiction, non-fiction, memoirs, and more. In her free time, Lynn enjoys reading, writing, and spending time with her family and friends.
