Uninsured motorist lawsuits are a growing legal issue for motorists. However, there are several factors to consider before filing one. In addition to insurance coverage, many motorists may not have enough money to pay the judgment. In such a scenario, courts may not order the uninsured motorist to pay the judgment. If you’ve been in an accident, make sure to file a claim with your own insurance company.
Answers to frequently asked questions about uninsured/underinsured motorist lawsuits
Uninsured/underinsured motorist accidents are a risky business to be in. Insurance companies are rarely happy to pay claims. They may deny a claim or offer a small settlement. Hiring a lawyer is a good idea if you want to push a claim forward. Lawyers can push the insurance company to settle for a reasonable amount.
Injured pedestrians, bicyclists, and passengers may have a claim against an uninsured motorist if they are struck by a vehicle driven by an uninsured motorist. This type of coverage is typically offered for a different dollar amount. When filing a claim, make sure the bodily injury part matches the liability portion of your policy. Some states require that the amount of bodily injury coverage for both is identical.
If an uninsured/underinsured automobile claim, the process is similar to filing a claim with your own auto insurance company. Typically, you must file the claim within 30 days after the accident. But some policies have stricter deadlines. You’ll need to provide evidence of the damages and injuries you suffered. Depending on the extent of your injuries, the process may take anywhere from a few weeks to several months.
Common excuses for uninsured or underinsured motorist coverage
Underinsured motorist insurance is a low-cost add-on that protects you in case of an auto accident. It pays for the damages caused by an at-fault driver who is not insured. Many states make it illegal to drive without insurance. The Insurance Research Council tracks statistics on driver behavior and has compiled a database on uninsured drivers.
Many insurance companies rationalize leaving their insureds open to uncovered losses by charging lower premiums. In reality, California law requires insurers to obtain waivers from their clients before paying for uninsured or underinsured motorist coverage. The result can be an uncovered loss that is far greater than what the insurer originally paid. If you don’t have insurance, it can be costly to get paid for your medical bills.
Filing a claim with your own insurance company
When filing a claim for uninsured motorist accidents, the first step is to report the accident to your own insurance company. Identify what happened in the crash and whether the other driver had enough insurance to cover your injuries. You may also want to contact your insurance company to determine what options are available to you. If you can’t recover all of the costs due to the accident, you can pursue legal action against the other driver’s insurance.
Filing a claim for uninsured motorist injuries in NJ requires you to file a claim with your own insurance company. Your insurance company will assess the damage and provide you with the compensation you need to get through an uninsured motorist lawsuit. But if the other driver didn’t have any insurance, you still have right to file a lawsuit against the at-fault driver.
Your own insurance company may cover your medical bills and lost wages, even if you’re uninsured. Additionally, it may cover punitive damages. In addition to your medical bills, your insurance company may also cover some of the other driver’s injuries as well. This way, you can recover your costs and claim compensation from the uninsured driver’s insurance.
