|
Claims
arising from Uninsured and Underinsured Motorist Claims.
If
you drive a car, then you probably have seen a reference
in your car insurance to uninsured and underinsured
motorist coverage. Maybe your policy statement indicates
that a portion of your car insurance premium goes to
provide you with uninsured and underinsured motorist
coverage. Maybe your insurance agent has told you that
you should increase the amounts of uninsured and/or
underinsured coverage that you have purchased. Understanding
the protection that each coverage gives you and the
differences between the two will allow you to choose
and pay for the insurance which best protects you and
your family in the event that a serious car accident
occurs.
If the insured elects to purchase this coverage, the
insurance company provides coverage to the insured for
his or her claims for injuries and damages arising from
a motor vehicle accident where the party at fault is
either uninsured, or does not have enough insurance
to provide full compensation for the injuries sustained.
If the insurance company disputes the uninsured motorist
claim, it can require the insured to participate in
an arbitration where an arbitrator will decide how much
the insurance company must pay on the uninsured motorist
claim. If the insurance company unreasonably delays
payment under this coverage the insured may additionally
have an insurance bad faith claim against the insurer.re
Understanding
the Difference between
Uninsured and Underinsured Motorist Coverage.
Uninsured
motorist coverage protects drivers from individuals
who do not have any insurance on their cars to pay claims
for property damage and bodily injuries. It also covers
hit-and-run drivers and "phantom drivers,"
who cause an accident but do not stop because they do
not know about their involvement. Underinsured motorist
coverage pays the difference when the at-fault driver's
insurance is insufficient to compensate the accident
victim for the injuries suffered in an accident. In
some states, one or both of the coverage is mandatory
in order to drive a car. In other states, uninsured
and underinsured coverage is an option. Still other
states include the notion of insufficient or under insurance
in the definition of an uninsured driver.
To
understand the distinctions between uninsured and underinsured
motorist coverage, you must first be generally familiar
with the subject of car insurance as a whole. Almost
every state in the country requires an individual operating
a motor vehicle to obtain automobile insurance. Most
states allow the driver to chose whether they want insurance
to cover their own car in the case of a collision. On
the other hand, most states require that a car driven
on the road have a minimum amount of insurance to cover
liability for property damage and bodily injury caused
to other vehicles and drivers. Some states set minimum
requirements for such liability coverage. Whether the
state mandates the amount or the driver purchasing the
vehicle chooses an amount, if an accident occurs, the
insurance on the at-fault car only covers damages from
the accident up to the specific amount of the insurance
purchased. The maximum amount that the car insurance
company will pay to an individual or to a number of
individuals injured in a single accident is called the
policy limits or the limits of liability.
If
you are involved in a hit and run accident or an accident
with someone who does not have insurance, any property
damage or bodily injury claims you have would be covered
by your own uninsured motorist coverage. If you need
an uninsured motorist lawyer, or would like additional
information about uninsured motorist coverage and claims
we invite you to contact us and make an appointment
to speak with an attorney.
You can contact us by clicking here.
If you are a victim of an Uninsured and Underinsured
Motorist Claims,or if you or someone that you love has
been severely injured or killed due to the negligence
of others, you have the right to learn more about how
the legal system can help you.
The Law office of Castiglia-Rubinstein handles claims
arising from Uninsured and Underinsured Motorist as
a result of the use or operation of an Uninsured or
Underinsured vehicle.
You
should know you have certain legal rights and must be
very selective of the Lawyer or Law Firm that you chose
to represent you.
New York Accident Victims
Get a Free Consultation today.
Corporate
Office:
445 Broadhollow Rd.
(Route 110)
Suite CL-10
Melville, NY 11747
|
