Uninsured/Underinsured Motorist Claims
Although most people don’t know it, their insurance policy provides them with benefits if they are injured by an uninsured (UM) or underinsured (UIM) motorist.
Uninsured motorist coverage allows you to make a claim against your own company for the injuries and damages, such as medical bills, wage loss, and pain and suffering, caused by a driver who did not have insurance. In other words your insurance company steps into the shoes of the uninsured driver and is liable to you just as the uninsured motorist would be. The only difference is that your own insurance company has the money to pay you for your injuries and damages, whereas the uninsured driver likely does not. The personal injury lawyers at Kidneigh & Kaufman have experience in handling uninsured and underinsured motorist claims. Call us today for a free consultation.
In cases where an insured driver causes the accident, underinsured motorist coverage compensates you when your damages exceed the insured driver’s liability limits.
The good news is that everyone has UM/UIM coverage unless they sign a form specifically rejecting it in writing, which no one should ever do. This is because the premiums for UM/UIM coverage are cheap and it is very important coverage to have because it protects you and your family from irresponsible drivers who have no insurance and other drivers who do not have enough insurance to cover your damages.
Another important thing to know is that making a underinsured or uninsured motorist claim for benefits will not cause your premiums to go up.
This is because premiums generally only go up when you are in an accident that is your fault, you get a ticket, or as part of a general rate increase. They do not go up because you make a claim. Another interesting fact about UM/UIM coverage is that you do not have to be in your own insured car to be covered. This is because UM/UIM coverage insures you, not your vehicle. As a result, if you are injured by an uninsured or underinsured motorist, you are covered regardless of whether you are in your own car, another person’s car, on a motorcycle, a bicycle, and even if you were a pedestrian when the accident happened.
If you’ve been hurt by an uninsured or underinsured motorist, please feel free to call the Denver personal injury lawyers at Kidneigh & Kaufman today. This is true even if you’ve signed a uninsured or underinsured motorist rejection, because you might not have been properly advised and thus the rejection might be invalid. Not only will your initial consultation with us be free, but we handle uninsured and underinsured motorist cases on a contingent fee or percentage basis. We are looking forward to meeting you and helping you with your uninsured or underinsured motorist claim.