Uninsured Motorist Accidents
In some states, such as Colorado, drivers are required to have insurance policies that cover accidents caused by underinsured or uninsured motorists. However, other states, such as California, do not require that drivers have this coverage added to their policies.
Why is uninsured motorist coverage important and why should you have it?
Uninsured motorist coverage will protect you and your family in the event of an accident with a driver who does not have any insurance. If you do not have this coverage, you may be forced to file a lawsuit against the at-fault party to recover compensation for any injuries or damages they caused in the accident. Unfortunately, drivers who do not have car insurance hardly ever have the resources to pay you anything. That’s why it’s always recommended that you add uninsured motorist coverage to your insurance policy even if the state you live in does not require you to do so.
Uninsured motorist coverage is there to protect you and your family by paying past and future medical expenses, lost earnings or earning capacity, and other damages such as pain and suffering.
Filing an Uninsured Motorist Claim Is Different
If you’ve been involved in a car accident with an uninsured motorist, you need to file a claim with your insurance company right away. While this is very similar to filing a claim with the at-fault party, it is with your insurance company. Your insurance company is supposed to be on your side and treat you fairly; however, even your own insurance company isn’t on your side. Your insurance company exists to make money. They do that by paying as little as possible and “low-balling” your claim - even if you always paid your premiums and never made a claim before.
The Longo Firm is Here to Help You
Having an attorney who is experienced with uninsured motorist claims is imperative to make sure you are made whole with an insurance settlement or jury verdict. The Longo Firm is always here to help answer any uninsured motorist claim questions you may have.
We are committed to our clients and their cases. Clients are never just “another client” to us. They are never assigned a case number.
Clients First, Always.