If you have had the unfortunate experience of being in an automobile accident, you have likely also suffered the uncomfortable and painstaking task of dealing with an insurance company. And depending on the at-fault party’s insurance policy limits, you may find yourself dealing with more than one insurance company. Often times, your own insurance policy provides coverage for Uninsured Motorists (UM) and Underinsured Motorists (UIM). This means that if you suffer property damages, medical expenses, and personal injuries beyond the at-fault party’s policy limits, your own insurance company is responsibly for paying the excess.
However, it is important that you know that your own insurance company becomes an adverse party in that instant. Though they have a duty to evaluate and adjust your claim fairly, they do not have to pay what they disagree is owed. Unfortunately, disagreements seem to be the norm rather than the exception. Therefore, you may be forced to hire an attorney to initiate litigation to recover for your damages and injuries. Disagreements on property damage and personal injuries must be resolved by a jury and an experienced litigation team is vital to maximizing a jury award.
This blog does not create an attorney-client relationship. You should not rely upon this blog for legal advice, but instead should consult an attorney experienced in your area of concern.