One of the worst possible situations to find yourself in is when you are involved in an accident that isn’t your fault. Then, to make a bad situation much more troubling, the driver that hit you doesn’t have enough insurance, or perhaps doesn’t have any at all.
Underinsured or uninsured motorist claims are not as popular as they used to be. However, even with all the insurance laws out there, many people are still driving without insurance. Make sure that you take the time to put this type of coverage on your insurance policy, even if you think that you will never need it. When something does happen, you’ll be thankful that you have it.
If you’ve got full coverage insurance like all drivers should, the insurance company should pay for underinsured or uninsured motorist claims. However, some companies are less than willing to offer assistance in some cases.
What if my insurance company refuses my uninsured motorist claim?
Whether you have underinsured or uninsured motorists coverage or not, you should be able to get some sort of compensation for the accident since you were not at fault. Your insurance company should pay to fix your vehicle even if it means filing your own claim. However, it doesn’t stop there. If you are put into this situation, you should always find the retribution that you deserve. You certainly don’t want to go looking for trouble, but when you’re involved in an accident that isn’t your fault, you shouldn’t be the one who has to pay.
If you are denied an uninsured motorist claim by your insurance company, contact The Byrd Law Firm at (713) 864-3000 for legal advice or assistance from an experienced insurance attorney in Houston.