How To Negotiate An Uninsured Motorist Claim With Your Own Insurance Company
When you are involved in an accident with a motorist who has no liability insurance, it is likely that you will have to make a claim against your own insurance company under your uninsured motorist coverage. This means that you will be required to file a claim and negotiate with the company that un
Here are some tips for negotiating with your insurance company to settle an uninsured motorist claim.o The process starts when you purchase your policy. The time to understand the terms of your uninsured motorist coverage is before you have an accident, not after. Read your declarations page, often called a "dec sheet," carefully and ask questions if you do not understand something. The "fine print" in an insurance policy can end up costing you thousands of dollars, if you do not realize that certain items are not covered. o Stand up for your rights. It is important to be firm and assertive if you know that you are entitled to certain coverage. You are, after all, paying for this insurance policy, so it is only right that you receive the full coverage of benefits to which you are entitled. Insurance companies may try to cut corners in order to save money, so it is important that you insist on full coverage according to the terms of your policy. o Be sure you have all of your expenses before you close out your claim. It is a mistake to close out a claim too early. Be sure that you have all of your medical bills, auto repair bills and other costs paid before you sign off on any claim paperwork to avoid having an unpleasant and expensive surprise down the road. o Talk to a personal injury attorney. A personal injury attorney may be able to help you in your negotiations with your insurance company if the insurer refuses to pay what is due.
Experienced personal injury attorneys typically offer a free consultationIn cases in which an insurance company denies an uninsured motorist claim or is hesitant to pay the full amount due, a personal injury attorney may be able to help you collect the sums you are owed.