Did you know that you probably have uninsured/underinsured motorist insurance? Unless you opted out of the coverage in writing, by law, you already have this insurance. The purpose of uninsured motorist coverage is to pay for your medical bills and property damage expenses in the event the person that caused your car accident does not have enough insurance to pay you. However, it’s not automatically given to you when you need it. You have to file a claim with your insurance company to collect it.
If you find yourself in a situation where you need to make an uninsured or underinsured, motorist claim, give notice to your insurance carrier immediately. Typically, the time for such claims is limited (sometimes a policyholder is given as little as 30 days to discover the need for the claim). If you fail to make the claim within the time provided, you will be forever barred from collecting, even though you paid for the coverage. If you make an uninsured/underinsured motorist claim, you can expect your insurance company will investigate the accident, the person who caused the accident, your medical treatment, and the nature of your injuries. Every insurance company has a duty to handle claims in good faith. If your insurance company takes an overly adversarial approach to your uninsured/underinsured motorist claim, it may have violated its duty to handle your claim in good faith. At Phillips Law Firm, Inc., we help motorists with their uninsured/underinsured motorist claims, and if the insurance company does not treat you fairly, we are willing to sue the insurance company for bad faith claims handling. We have done it in the past, and we can do it for you.
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Every case is unique and will have to be evaluated based upon its own facts and circumstances. If you have been in an auto accident with somebody who either has no insurance, or not enough insurance to pay for your injuries, contact us.