When you believe that you have been involved in a car accident with another driver who does not have insurance, one of the important things you should do first is to notify your insurer are soon as possible in order for them to know that you the intention of filing for an insured claim. This is because there are insurance companies that have strict policies regarding deadlines for their insured when it comes to notifying possible uninsured claims, therefore delaying can prove fatal to your claim. When the other driver informs you that he or she does not have insurance or if they are withdrawing from providing you insurance information, you should immediately notify your insurer about your plans for filing an uninsured claim, since they often take longer to process and develop.
The website of Pohl & Berk, LLP says that having a lawyer present can be very helpful in guiding individuals through this process. Insurance claims require you to gather and present evidence to make a valid legal claim.
Underinsured drivers coverage is applicable only if the negligent driver’s insurance policy limits is below your own underinsured driver coverage. Filing a claim against your insurer for underinsured driver coverage will help to cover for the amount of damages that exceed the negligent driver’s coverage. As stated earlier, an underinsured or uninsured insurance claim may take longer to develop because it may take a while for you and your lawyer to determine value of the accident. Just as with a regular car accident claim, underinsured or uninsured driver claims follow the same patterns and would require presentation of evidence and a trial. However, if settlement between you and your insurance provider is made, you have no legal right to sue the insurance provider after the agreement.