If you happen to be hit by a driver with
little or no car insurance you need
to use your uninsured car insurance coverage to help you take care of the
damages. Montgomery, AL accident lawyers, one of the best is Frank M. Wilson,
know there is no need to sue the uninsured driver even if they are at fault.
Most likely a driver without car
insurance is not likely to have adequate funds to cover your damages. Your only
alternative is to make a claim with your insurance company up to the limit of
your own uninsured motorist coverage. You cannot make a claim for money you are
not entitled to right?
How
Uninsured or Underinsured Driver Claims Work
If there is reason enough for you to
believe that the at-fault driver is not insured, you must immediately inform
your insurer of your intention to file an uninsured claim. There are some
motorist insurance policies that impose strict deadlines on notifying the provider
of impending uninsured claims, which is you should do immediately.
This deadline can be as short as 30
days. If the at-fault driver claims that he or doesn’t have car insurance or
should he/she declines to provide any information, Alabama accident attorneys
recommend that you let your insurer know right away that you propose to file an
uninsured claim.
Usually an underinsured driver claim can
take some time to develop. This is because there is no way for you to know
immediately after the accident that you are up against an underinsured driver
claim since you may be undergoing medical treatment.
It is only after you get well that you
as well as your legal representative can have a better idea of the true value
of your own car accident case. However, as soon as you are aware that your car
accident case is worth much more than the other driver’s liability coverage,
inform your insurance company immediately that you intend to file an underinsured
driver claim.
What
to Expect
For the most part, the only difference
between an underinsured or uninsured driver claim and a normal car accident
claim is that you make a claim with your own insurer. This procedure entails a
pre-trial investigation, depositions of all witnesses, and disclosure of all
your medical records. If you and your insurer are unable to agree on a
reasonable settlement figure, you are not in a position to file a lawsuit
against your own insurance company even if you have a Montgomery, AL accident lawyer
on your side.
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| Not everyone has money like Donald Trump, Michael Jordan, the CEO of Target for example, and perhaps even you. In fact, some people drive around without car insurance! That is incredible. The risks are great but they seem pretty happy that they are breaking the law and getting away with it. This is where Frank M. Wilson comes into a picture. He is one of the best Montgomery, Alabama accident lawyers that ever passed the bar. You can find him right here: http://www.frankmwilsonpc.com/. If you have been in any type of accident, give him a call. He knows what to do! |
In such a case, you will need to submit
your claim to a process called binding arbitration. For the most part, this is
a hearing before an arbitrator or a panel of arbitrators who will decide the
fate of your claim. The disadvantage of a binding arbitration is that you
cannot appeal the decision. There is nothing you can about this. These rules
are like the 10 Commandments, they are written in stone and have meaning.
Car accidents can at times cause serious
complications. To make the best of a bad situation, your best bet is to hire a Montgomery,
Alabama accident lawyer to make sure your rights are protected and honored. You
do not have to look far to make this happen. The website is given for Frank M.
Wilson is provided to you above. If you want a lawyer that knows the system and
knows which buttons to press and which ones not to press, give Frank a call. He
has won many cases for his clients and if he does not outright win them, he
makes the results much more palatable for his clients all the time.
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