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Underinsured & Uninsured Motorist Accident Claims
Filing Claims Against Your Own Insurance
A significant number of the drivers in Utah and other states carry minimal insurance coverage or no insurance at all. If you are injured in an accident caused by a driver who does not have enough insurance to pay for your damages, you can file a claim against your own uninsured or underinsured (UM/UIM) coverage.
At the law office of Rasmussen & Miner in Salt Lake City, we offer a free initial consultation to answer your questions about underinsured and uninsured motorist claims or any other insurance coverage issue related to your accident.
Filing an Injury Claim Against Your Own Insurance
Filing a claim against your own insurance company is different than filing a claim against the insurance company of another driver. The other driver’s insurance company has a duty to the party it insures, not to you, and therefore is not required to treat you fairly. Your own insurance company, on the other hand, has a duty to treat you fairly.
One of the most important things an attorney can do for you is communicate with your insurance company early in the process so they can set aside appropriate loss reserves to pay for your claim. Before filing an underinsured motorist claim, your attorney would also investigate all other possible sources of coverage, such as a claim against a municipality for a dangerous road or defective sign.
Some people are hesitant to file injury claims against their own insurance company, fearing their rates will go up. However your insurance company is not allowed to raise your rates if the accident was not your fault.
Insurance subrogation. Once you collect damages in an UM/UIM claim, your medical insurance company may ask for reimbursement for any accident-related medical expenses it covered. However, money from a UM/UIM is almost always yours to keep, and any request for reimbursement should be vigorously opposed by an attorney skilled in subrogation issues.
Free Attorney Consultation
Come in with questions, leave with confidence that your uninsured and underinsured motorist claim will be handled properly. Call (801) 363-8500/(800) 585-6726 or fill out the contact form on this Web site to schedule a free initial consultation with a lawyer at our Salt Lake City office.