In cases involving automobile insurance, there is always the chance that you are going to be dealing with an uninsured motorist or, in the alternative, an underinsured motorist. These two claims are handled similarly by the law. In each case, liability and damages must be determined. However, the procedure is substantially different in a UM and UIM claim than it is in a regular negligence claim. Once again, you need an attorney that is well versed in handling this type claim.
As with other automobile related claims, there are deadlines which must be met.
As far as the damages aspect of the cases is concerned, it is substantially similar to a regular negligence claim where you are dealing with the adverse party’s insurance company. However, in a UM or UIM claim, you are dealing with your own insurance company Do not be led to believe that because you are dealing with your own insurance company that they are going to be nicer to you or be fairer with you than if you were a claimant not insured by your company. This is not true. While your agent may be a very nice person, maybe even an old friend, the liability adjuster that you are assigned in your UM or UIM claim will have the same tendencies and inclinations as any other insurance adjuster acting against you. Do not think for a moment that you will get a better shake because you are dealing with your own insurance company. Nothing could be further from the truth.
Once again, if you have such a claim, you need experienced, competent, legal advice. Call me to discuss and for a free consultation.