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3 Ways Underinsured and Uninsured Motorist Coverage Could Impact Your Personal Injury Claim

You were driving to work one day, and a reckless driver struck your car, resulting in severe life-altering injuries. If it turns out that the at-fault driver was uninsured or underinsured, this lack of insurance can greatly impact your insurance claim. Although this situation can be tricky to handle, our personal injury attorneys can provide you with the guidance that you need and what you can do moving forward. 


Here are some examples of steps that you should take or what you should know regarding underinsured and uninsured motorist coverage and how it could affect your personal injury claim. 


  1. You will need to notify your insurance provider immediately

Don’t delay when it comes to submitting a claim, especially if the driver at fault doesn’t have insurance. Many insurance providers enforce strict deadlines when it comes to filing a claim that involves uninsured drivers. In some instances, the individual who is at fault will also flat-out refuse to provide you with any insurance information. Whatever the case may be, make sure that you are filing an uninsured motorist claim right away with your insurance company. 




Related post: Why You Should Review Your Car Insurance Coverage


  1. Claims for underinsured drivers may take longer to process

Claims can take a long time to develop, especially when they involve someone who is under or uninsured. In this situation, the damages and financial fallout that you experience from the accident will often exceed the at-fault driver’s liability coverage. You will need to clearly inform your insurance provider that you are filing an underinsured motorist claim. Keep in mind that hiring a personal injury attorney in San Diego can help expedite the process.



  1. You are filing a claim against your insurance provider

Insurance companies tend to process all injury claims in a similar way. However, claims against your own insurance provider are a little different. Investigation into your claim by the insurance company can include:


  • A pretrial investigation
  • Disclosure of medical records
  • Dispositions of witnesses to the accident


You should also be aware of the fact that your insurance provider may not agree to a fair and sensible settlement. If this happens, you should immediately get in touch with one of our personal injury attorneys. As experienced personal injury attorneys in San Diego, we will take every aspect of your case into account. If you do have to involve one of our personal injury attorneys in your case, we always recommend that you provide us with as much information as possible regarding the incident so that we can put together the best case for you.  



Let Our Personal Injury Attorneys Help You 

We understand the frustrations of having to recoup all of the damages that are taking place due to a devastating car accident. Our car accident attorneys want to help assist you in navigating the legal process so that your insurance provider doesn’t cheat you out of the money that you deserve. We have a team of personal injury lawyers who are going to fight for you. Call us today to learn more about what we can do for you!


Testimonial from Julie, Satisfied Personal Injury Client 

A few months ago my fiancé was in a car accident. It was very scary and we didn’t know what we needed to do or where to even begin. We found HHJ and they were so quick to help right away. They were so thoughtful and personable as they walked us through the process step by step and were able to help him get the medical attention he needed. Everyone that had they referred us to were top notch and so amazing. I am so thankful for the entire team at HHJ and all that they have done for us!

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