Uninsured & Underinsured (UM/UIM) Motorist Insurance: Making Sure It Works for You
One-in-ten motorists nationwide either have no car insurance or don’t carry enough car insurance. This creates a substantial risk for those who do carry auto insurance, when a serious crash ensues. If you have been in an accident with someone who leaves the scene, doesn’t have insurance, or doesn’t have enough insurance, your insurance company needs to make good on your policy and step up to ensure your medical and other expenses like lost income are covered.
Our team of successful attorneys has experience in these kinds of insurance situations. And we work effectively to ensure insurance companies fulfill their obligations to our clients.
Know Your Rights About Your Insurance Coverage
It is all too common for an insurance company to short a policyholder on coverage that they pay for, and becomes especially complicated when the other motorist is underinsured or doesn’t carry any insurance at all. Edwards Law Firm has an experienced team of attorneys and staff to work on your behalf in these situations and navigate the legal system to seek a proper settlement.
Understand that if you find yourself in a situation with an underinsured or uninsured motorist, you have rights on what you can do to protect yourself. In the event of an accident, you are not required to make any statements to an insurance adjuster, as any statements made can be used against you in a court case.
Keep all your records for all medical, out-of-pocket expenses and lost income. These are important parts of your case and will allow our team to pursue the fair compensation you are entitled to. Lastly, you do not have to settle with an insurance company right away. Many insurance providers will attempt to settle for a lower monetary value in an attempt to keep themselves and their client out of court. The truth is, without proper representation and possibly a court case, you may never know how much money you will need to recover from an accident with an underinsured or uninsured driver.
WARNING: Do not settle with the at-fault driver without first getting permission from your UM/UIM insurance company. If you do, you may lose your UM/UIM coverage.