A motorist accident might cause both bodily injury and damage your car. Uninsured motorist coverage is issued when the motorist who had caused the accident fled from the scene or lacked insurance. In most states, uninsured motorist bodily injury insurance pays the medical bills of an injured driver who was hit by another uninsured motorist. Alternatively, some states offer uninsured motorist property damage coverage (UMPD). UMPD is important when you are involved in an accident with an uninsured motorist. This scenario may result in a lot of financial bills. Therefore, you should file an uninsured motorist claim after an accident has occurred.
The Elements of an Uninsured Motorist Coverage
Uninsured motorist property damage pays for the damages to your car. It also covers the other properties that were damaged during the accident including a fence, house, or personal items like cell phone and laptop. When you make a claim concerning this UMPD, you become a third party to your insurance company.
Tips to Consider in after an Accident
You will be required to perform a series of events immediately after an accident. For instance, you should check if the other vehicle occupants need quick first aid attention. Additionally, you are not allowed to move from the vehicle and you should call the relevant authorizes including police and medical services. After that, you should consider taking photos of the accident scene if you are seriously injured.
You should also share your name, address, and insurance information with the other motorists. You should consider calling your insurance company to file the claim. You can either go to their office or call them by phone. This is crucial because you will be required to provide basic information concerning the accident. In filing a claim, you will be required to give out your policy number, location of the accident, date of the accident, and a description of the accident. The insurance company might also need the information of the other motorist including name, address, insurance information, and license plate. In some cases, providing a police report and the name of the police department might be important.
You should consult with your insurance company to check other they have policies that can cover your damages including body and property. Drivers are required to have insurance coverage in many states. If the driver is uninsured, your insurance company will reimburse you through the uninsured motorist coverage policy. However, your insurance company has a right to cancel your insurance policy if you file multiple claims due to careless driving.
When you should file a Claim
States have different time limits for filing an accident claim for the uninsured motorist. It is important to file your claim before the expiry of that time-frame. Filing a lawsuit with your insurance company normally has a time period of 30 days. Therefore, you should be fast in filing the claim in case of an accident with an uninsured motorist. You should also consider hiring a proficient lawyer to hasten the whole lawsuit. The lawyer will also guide on what to do or say during the negotiation period or court trial. After an accident you should, first, seek medical attention to prevent the injuries from getting worse. Secondly, you should consult with an attorney who will make you understand your rights and the ways of protecting them. After meeting your insurance company, you will know your coverage options and the requirements needed to obtain the benefits.
The Importance of Uninsured Motorist Insurance
Uninsured motorist cover gives you compensation for your damaged car. However, it does not provide you with a new car. Uninsured motorist cover is important even if you have health insurance. This is because your medical bills will be settled by the uninsured motorist insurance in case you had a body injury. Uninsured motorist insurance can cover the other vehicle occupants’ medical bills unlike the health insurance policy that only covers your medical bills.
Conclusively, you should not be worried if you are involved in an accident with an uninsured driver. Your insurance company will provide the required reimbursement when you file a claim earlier. Uninsured motorist insurance caters for both bodily harm and property damages.