San Antonio Car Accident Lawyers : Underinsured Motorist Claims
Are you having difficulty in filing an uninsured motorist or under-insured motorist claim?
Our San Antonio car accident lawyers at Ford and Laurel can help you with your uninsured / under insured motorist claim.
Uninsured and under insured motorist coverage insurance is an optional form of insurance coverage that many people purchase. In fact, many car insurance providers will include it as part of a default package.
The idea behind this type of insurance coverage is that in the event your vehicle is struck by a driver that does not have any car insurance coverage, or does not have enough car insurance coverage to cover the full extent of you property damage or injuries, you will be able to file a claim against your own insurance company under the uninsured/ under insured portion of your insurance policy.
This is a fairly common scenario because most motorcycle accident drivers only carry the minimum insurance coverage that is required by law. It is very easy for the total of your property damage and personal injury damages to exceed the value of their policy. In most cases, their insurance company is not required to pay beyond the amount of the coverage that their insured purchased.Difficulties in filing an UM claim
As you are probably aware, the whole idea behind the insurance industry is that they are banking on the fact that they will likely never have to pay out on most policies. Uninsured/ underinsured coverage works the same way only more so. Naturally, you will only receive a payout if you meet certain requirements and so forth.
The biggest hurdle to overcome is that you must completely exhaust the defendant’s insurance policy before any under insured money will be disbursed. If the defendant’s insurance company does not release their policy limits, you may never get be able to take advantage of a UM claim. Thus, it is imperative to have the help of an aggressive car accident injury attorney who can recover the full limits of the defendant’s insurance policy.Practice Areas: Car Accidents – Trucking Accidents – On the Job Injuries – Wrongful Death – Construciton Accidents – Boating Accidents – Premises Liability Contact Us
The San Antonio personal injury attorneys of Ford and Laurel have provided the information on this site to help inform the public about the potential application of civil law to certain situations. The information contained in on this website is not intended to help an individual make important legal decisions. An individual should only make a decision related to a legal case after consulting with an experienced and licensed attorney. Do not make any legal decisions based on information found on this or any other websites. Furthermore, laws and statutes change on a regular basis and information or results mentioned on this website may be based on laws or statutes that are no longer current. Additionally, every case is slightly different and will have its own subtleties and variations, and every case is subject to subtleties imparted by way of nuances imposed by the jurisdiction in which the case takes place and other outside factors such as preexisting agreements including binding arbitration,waivers, insurance coverage stipulations and policy terms, etc.