Wednesday, 27 August 2014

Auto Accidents Involving Uninsured Motorists

Auto Accidents Involving Uninsured Motorists
Personal injuries are caused due to negligence of someone else. However, due to their negligence, you might be hurt physically or psychologically. One such type of personal injury events are auto accidents. You can claim the uninsured motorist coverage using your automobile insurance policy.

Situations for claim
You can claim insurance for the auto accident caused by someone else only if the driver of the car has no insurance and the accident is due to the negligence of the driver. It is taken that the driver has no money and thus has no car insurance. This leaves you with no chance to sue the driver. In this situation, you would make a claim against your own car insurance company. This amount should be within the limit of your coverage.

If you are facing a similar situation, follow the below mentioned procedure for claiming insurance. If you come to know that the driver involved in the accident is uninsured or sometimes the driver is not ready to disclose his insurance details. Then immediately inform your insurance company about this.  This conveys that you intend an uninsured claim. This step should be taken as soon as possible as some insurance companies place a deadline up to 30 days. Inform your insurer immediately that you intend to claim the insured claim against the insurer.

An uninsured driver claim is no different from the regular car accident claim. But here the claim is against your own insurance company. The procedure includes investigation of causes, disclosure of your past and present medical records and verification of the witnesses. Another limitation is that you cannot force the insurance company to settle for the amount you suggest. There is also no scope of any legal proceedings or complaints against your insurer.  

An alternative is to submit your claim to an arbitration which is more informal procedure than the proceedings in the court. The case will be heard by a single or sometimes a panel of arbitrators. The case will now be settled with the arbitrator’s decision, whichever way it goes. The disadvantage with this settlement is that the loser has no or limited authority to appeal against the decision.

1 comment:

  1. If you were in an auto accident and the other person was uninsured, you definitely need to contact a car accident lawyer. They will be able to help you out and really make a difference as well. They will get you help and make sure that you are covered as well.