If an automobile accident leaves you traumatized, injured, and vehicle-less, are you prepared to respond? Most people can’t absorb that type of financial shock without turning their lives upside down. So, what happens if the driver responsible for your accident is uninsured or underinsured?
You suddenly find yourself left with all of the injuries and no way to obtain financial compensation for your medical bills, lost wages, and pain and suffering. You don’t need to accept this type of situation and deal with the ripples for years to come. By making sure you’re covered with uninsured motorist insurance, you won’t be left in the lurch.
Do You Have Uninsured/Underinsured Motorist (UM/UIM) Coverage?
UM/UIM coverage is nothing short of essential to every single driver on the roadway. State statutory laws require insurers to offer UM/UIM insurance that provides compensation if you’re injured by another driver without insurance. UM coverage even comes to the rescue in hit-and-run situations when you have no other way to track down the person who hurt you.
How to Handle a UM/UIM Claim
Even if you do have UM/UIM, proving the legitimacy of your claim to your insurance company can be challenging. You should begin by notifying your insurance company of the accident immediately. Most insurance companies require prompt notice and quickly deny coverage if the claim submission is delayed.
Pursuing your claim will require you to prove the other driver was uninsured or underinsured before you can receive UM benefits. This is because UM is considered secondary to the other driver’s liability coverage. Since insurance companies know exactly how to trick victims into accepting less than they deserve, never negotiate about UM or UIM without a lawyer who is experienced with uninsured motorist claims.
To avoid getting trapped in procedural hoops that prevent you from receiving the money you need – and deserve – after an accident with an uninsured motorist, call (877) 730-5180 today to schedule your appointment with Weldon Rothman in Southwest Florida.