Are you having difficulty in filing an uninsured motorist or under-insured motorist claim?
Our Houston car accident lawyers can help you with your uninsured / under insured motorist claim.
Uninsured and under insured motorist coverage insurance is an optional
form of insurance coverage that many people purchase. In fact, many car
insurance providers will include it as part of a default package.
The idea behind this type of insurance coverage is that in the event
your vehicle is struck by a driver that does not have any car insurance
coverage, or does not have enough car insurance coverage to cover the
full extent of you property damage or injuries, you will be able to
file a claim against your own insurance company under the uninsured/
under insured portion of your insurance policy.
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This is a fairly common scenario because most motorcycle accident drivers only carry the minimum insurance coverage that is required by law. It is very easy for
the total of your property damage and personal injury damages to exceed the value of their policy. In most cases, their insurance company is
not required to pay beyond the amount of the coverage that their
insured purchased.
Difficulties in filing an UM claim
As you are probably aware, the whole idea behind the insurance industry
is that they are banking on the fact that they will likely never have
to pay out on most policies. Uninsured/ underinsured coverage works the
same way only more so. Naturally, you will only receive a payout if you
meet certain requirements and so forth.
The biggest hurdle to overcome is that you must completely exhaust the
defendant’s insurance policy before any under insured money will be
disbursed. If the defendant’s insurance company does not release their
policy limits, you may never get be able to take advantage of a UM
claim. Thus, it is imperative to have the help of an aggressive
car accident injury attorney who can recover the full limits of the defendant’s insurance
policy.