Uninsured motorist claims typically arise when a driver is involved in an accident caused by someone who doesn’t have insurance or doesn’t have enough insurance to cover the damages. In such cases, the victim may file a claim with their own insurance company under their uninsured/underinsured motorist coverage, if they have it.
Here’s a basic rundown of the process:
- Report the Accident: As with any accident, it’s crucial to report it to the police and your insurance company as soon as possible.
- Gather Information: Collect all relevant information about the accident, including the other driver’s details, eyewitness accounts, and any evidence like photos or videos.
- File a Claim: Contact your insurance company and file a claim under your uninsured/underinsured motorist coverage. Provide them with all the necessary documentation and information about the accident.
- Investigation: The insurance company will investigate the claim to determine liability and the extent of damages.
- Settlement Negotiation: If the claim is valid, your insurance company will negotiate with you to settle the claim. This may involve compensation for medical expenses, vehicle damage, lost wages, and pain and suffering.
- Resolution: Once a settlement is reached, the insurance company will provide compensation according to the terms of your policy
Keep in mind that the specifics of uninsured motorist claims can vary depending on the laws of the state where the accident occurred and the terms of your insurance policy.
An attorney can play a crucial role in assisting you with an uninsured motorist claim in several ways:
- Legal Guidance: Attorneys specializing in personal injury and insurance law are well-versed in the complex legal aspects of uninsured motorist claims. They can provide valuable guidance on your rights, options, and the legal process involved.
- Negotiation: Insurance companies often try to minimize payouts, even to their own policyholders. An attorney can negotiate with the insurance company on your behalf to ensure you receive fair compensation for your damages, including medical expenses, lost wages, vehicle repairs, and pain and suffering.
- Investigation: Attorneys have the resources and experience to conduct thorough investigations into the accident. They can gather evidence, interview witnesses, and assess liability to build a strong case on your behalf.
- Maximizing Compensation: An attorney can help you identify all potential sources of compensation. In addition to your uninsured/underinsured motorist coverage, they can explore other avenues such as personal injury protection (PIP) benefits, medical payments coverage, and even pursuing a lawsuit against the uninsured driver if necessary.
- Legal Representation: Legal representation can be invaluable if your case goes to court. An attorney will advocate for your rights in court, present evidence, argue on your behalf, and work to secure a favorable outcome.
Overall, hiring an attorney can significantly improve your chances of obtaining fair compensation and navigating the complexities of an uninsured motorist claim effectively. It’s essential to choose an attorney with experience in handling similar cases to ensure the best possible outcome.
At Calderon Legal Group, we have been assisting individuals in Houston for years. Our legal team possesses the skills and resources needed to navigate the intricate process of Uninsured Motorist claims. Let us fight for you—call (832) 261-5500 to speak with a Houston lawyer today.
