In this situation, your uninsured insurance coverage comes into play. Contrary to popular misconception, using your uninsured motorist coverage will not adversely affect your insurance premiums. You pay a monthly premium for that protection, so don’t be afraid to use it.
With that being said, sometimes getting an attorney to help you deal with your own insurance company is necessary. Insurance companies are not known for eagerly paying claims. If you have any problems with your uninsured insurance claim, reach out to an attorney for help.
What If The Other Driver Doesn’t Have Enough Insurance Coverage?
If the at-fault driver has insurance, but not enough to cover the damages done, your underinsured may cover the rest. This can be a tricky process that an attorney should help you with.
How Do I Make an Uninsured or Underinsured Driver Claim?
Alert your insurance company when you become aware of the at-fault driver’s insurance situation. Underinsured and Uninsured driver claims follow a similar process to those of standard car accident claims. Medical records will be gathered for a pretrial investigation possibly followed by witness depositions. Depending on the extent of your injuries, an attorney may be needed to get you the compensation you deserve.