Uninsured Motorist Coverage
Insurance companies offer a type of coverage known as uninsured motorist coverage. The specific purpose of this insurance is to protect individuals and their family members from other drivers who don’t have insurance. The way uninsured motorist insurance works is if someone who has this type of policy is injured in an accident that was caused by a driver without insurance, the policy will take care of the vehicle damage and medical bills the other driver cannot pay.Why Have It?
The Texas Department of Insurance estimates that there are millions of uninsured or underinsured drivers throughout the state. With that many uninsured drivers on the road, a common question people have is what will happen to them if they’re involved in a car accident with someone who doesn’t have insurance.
The answer to that question depends on the situation. In most cases, the likelihood of getting any money to cover medical expenses or other damages from an uninsured driver is very low. Many times, people who are hurt in this kind of car accident have to turn to their own insurance company.Filing an Uninsured Motorist Claim
As with most issues related to auto insurance companies, simply having an uninsured motorist insurance policy in isn’t enough to ensure a smooth claim process. One of the reasons people may contact a vehicle accident attorney is they encounter problems when they attempt to file a claim with their own insurance company. For example, an insurer may state that a claim is invalid due to the driver who caused the accident being underage or unnamed. Another common exception to this type of policy is when a driver gets run off the road but their vehicle isn’t actually hit by the uninsured driver.
Since these types of denials are more common than most people realize, it’s a good idea to speak with a lawyer before speaking with an adjuster. By meeting with a lawyer, you can avoid giving a recorded statement to your insurance company that could ultimately be used against you to deny your claim.A Lawyer Can Help
One of the most important things drivers need to remember is that their insurance company is not in the business of paying claims. Instead, its interests are involve collecting premiums and minimizing payouts. That’s why these companies are often quite aggressive in working to avoid covering the medical expenses and other damages of someone who’s hurt in an accident caused by an uninsured motorist.
While most people would agree that denying a seemingly valid claim of an accident victim with uninsured motorist insurance is unfair, a car accident attorney in San Antonio can help level the playing field. At the Law Offices of Ronald A. Ramos, we understand the type of stress this situation can create during an already challenging time. If you want to ensure that you have someone who’s actually on your side, call our office at (210) 308-8811 for a free consultation.Law Offices of Ronald A. Ramos, P.C.