Unfortunately not all drivers carry automobile insurance or enough insurance coverage to pay for your expenses if they are at fault in your accident. This is why many people carry uninsured/underinsured coverage. Uninsured/underinsured insurance covers your medical and other expenses if you are injured in an accident and the driver at fault does not have proper coverage to pay your bills. In the event the other driver is not insured, your insurance will pay all your expenses up to your policy limits. If the other driver is underinsured, your insurance company will pay the difference between the other driver’s insurance coverage and your expenses, up to your policy limits. For example, if you sustained $50,000 in damages and the other driver only has $25,000 in coverage, your insurance company would pay you the remaining $25,000.
Because this is a claim on your own insurance, it is up to you to file a claim. It is important to determine at the time if the accident if the other driver has no insurance or very low limits. If so, you should put your insurance carrier on notice that you may file an uninsured/underinsurance claim. Some carriers require you to report the claim within 30 days so it is imperative to move quickly. Once you make a claim, your insurance company will review the claim in the same manner as if you had made a regular claim. Consequently, you should expect your insurance company to review your medical treatment and nature of your injuries to confirm they are valid. If you feel your insurance company is not treating your claim in good faith, you may have a bad faith claim against your insurance company.
As you can see from above, uninsured/underinsured coverage can be a tricky area to navigate on your own. If you have been involved in an accident with an uninsured/underinsured driver and wish assistance with your claim, please contact us at 702-522-0696 so we can assist you in evaluating your case.