How to make an Insurance Claim for Underinsured or Uninsured Drivers Accidents?

If you are unlucky enough to get injured in a car accident where the at-fault driver admits the he or she is uninsured, you can still recover some money through other means.

How to recover claims if the at-fault driver is uninsured?

What happens if on a fateful day you become gravely injured in an accident, including a truck accident, where the driver claims he does not have any insurance coverage? Well the first thing is to not even think of filing a lawsuit. Accident lawyers in the Bronx, NY are of the opinion that a driver who does not have enough insurance will surely not have sufficient money to pay you for your injuries. The only remaining option is to file a claim with your own insurance company.

We know you would rather watch another terrible Hunger Games movie or even Jurassic World again before you do such a thing but you have to be paid right? You need to be compensated right?

How to recover your damage if the at-fault driver is underinsured?

If you suffered damages and injuries in an accident when the driver liable for your injuries does not have adequate insurance, you have to recover part of your claim from your own coverage and the rest from the at-fault driver’s insurance.

For instance, if your claim is worth $200,000, and the driver’s insurance is worth $100,000 you will be able to recover your claim only if you have more than $100,000 as under insured driver coverage. So let’s assume that you have $150,000 as under insured driver coverage. You will get $100,000 from the driver’s insurance and $50,000 from your underinsured driver claim. According to New York City accident attorneys you cannot claim $100,000 from the driver and $100,000 from your insurance.

Your under insured driver coverage must never exceed your primary insurance coverage. If you have primary insurance of $100,000 your under insured driver cover must not be in excess of $100,000.

How to handle claims arising from uninsured and under insured accidents?

As soon as you realize that the at-fault driver is uninsured notify your insurer of your intention to file an uninsured accident claim with the company. Many insurance providers have strict deadlines for filing a claim. Often insurers require that they are notified within 30 days of an accident. If after an accident the driver refuses to divulge insurance information or you have not been able to get any insurance information about the driver by trying various other methods, inform your insurers immediately that you have to file a uninsured driver’s claim.

In case of this underinsured claim situation you will not be able to notify your insurance company immediately. You have no way of knowing if the driver is underinsured unless you have a comprehensive assessment of your damages and medical expenses which will take some time. After this your legal counselor will be able to file an accident claim. But as soon as it becomes evident you must inform your insurer, suggest Bronx, NY accident lawyers.

The procedures involved in these types of claims are not different from claims made against the driver’s insurer. The process includes a crash investigation, assessment of medical records, and a deposition. The only difference is that you cannot sue you insurance company if you do not agree to a settlement offer following which you will have to participate in a binding arbitration.

If you are a victim of a car accident it is vital to engage the services of a New York accident lawyer to look into your uninsured or underinsured driver claims. Often times in the latter case the driver has sufficient assets to pay damages and a personal injury lawsuit can be brought against him/her. In other cases a third party can be held liable for your injuries and made to pay for your pain and suffering. A golden legal representative will look into all these factors to help you maximize your compensation.

Before you even reach this stage you need to have a fantastic and dependable lawyer on your side. You can find this legal help using this state of the art digital tool: Accident.USAttorneys.com. Some websites sell shoes, others appliances, those are vital possessions but our website saves lives. When someone needs a legal professional, their financial future, a decent existence, and/or sanity, is often at stake. Contact us if you have any questions. 

And calling us is much easier than watching another Hunger Games or Star Wars movie.