First of all, your carrier ought to be helping you through all of this as they have duties to you as a contracting insured. Talk to the claims adjuster to make sure you are in compliance will all conditions needed to assert a claim.
You also ought to talk to an attorney about your situation to make sure you are doing it all right!
In no way am I offering you legal advice, and in no way has my comment created an attorney-client relationship. You are not to rely upon my note above in any way, but insted need to sit down with counsel and share all relevant facts before receiving fully-informed legal advice. If you want to be completely sure of your rights, you must sit down with an experienced criminal defense attorney to be fully aware of your rights.
I am sorry to hear that your insurance company is making this UM claim so difficult for you. I would absolutely recommend speaking with an attorney. Your insurance company should not be making you jump through so many hoops to get the ball rolling. An attorney can guide your through the steps and make sure that they treat you fairly. I would also recommend that you change your insurance after this is all over.
I wish you well.
People think that they can just collect the money from their UM. The reality is that when you make a UM claim, your insurance company is no longer your friend. A personal injury lawyer should be retained to battle with the insurance company.
I agree with the responding counsel with regards to your matter. You should contact your insurance claims adjuster to confirm that they have all the information they need to help you. Best of luck.
Uninsured claims require a procedure spelled out under the terms of an insurance policy and also state law. There was a movie titled "Paper Chase" and UM claims require a perfect storm of paper. DO NOT MINIMIZE YOUR OWN CASE WITH STATEMENTS LIKE "SMALL CLAIMS" OR "NOT A LOT OF DAMAGE". Retain a CA attorney who has been through the process before. Here's why: [Click Blue Link Below]
Law Offices of Andrew D. Myers, North Andover, MA & Derry, NH provide answers for informational purposes only. Actual legal advice can only be given by an attorney licensed in your jurisdiction, thoroughly familiar with the area of the law in which your concern lies. This creates no attorney-client relationship.
You should obtain an uninsured motorist certificate by filing form SR-17. Getting the proper documents and proof in order is your burden not your insurance carriers - you are now in an adversarial setting with your own insurance. Please retain an attorney.