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Michigan City Indiana Car Accident Lawyer| Explains Uninsured Motorist Coverage

Posted by Guy DiMartino | Nov 04, 2014 | 0 Comments

Michigan City Indiana car accident lawyer explains what uninsured motorist insurance coverage is and how it works.

In today's economy many people are late or fail to pay their car insurance bill.  In speaking with uninsured folks, the story is the same. They choose to buy food or pay rent as opposed to paying their car insurance premium. Can you blame them – when the choice is putting food on the table or heating the house as opposed to buying insurance.

So what happens if you are injured in a car accident in Michigan City, Crown Point, Merrillville, Valparaiso or any other Northwest Indiana community and the guy who injured you is uninsured?   If you have a car and purchased Indiana's required minimum of insurance, you have at least $25,000 of uninsured motorist coverage (UM).

UM coverage will compensate you for injuries you received because of another driver's negligence if that person is uninsured or their insurance company went belly up.  Below are the steps you need to follow to file an uninsured motorist claim:

  • Put your insurance company on notice of the car accident
  • Complete your prescribed medical treatment
  • Submit your medical records, bills and supporting documentation to your insurance company
  • Negotiate a settlement if possible

Uninsured motorist claims are strange because you are making a claim to your own insurance company but the insurance company stands in the shoes of the driver that caused the accident. So, when you make an uninsured motorist claim, your insurance company can defend the claim just as if the uninsured driver would defend the claim.   Below are some of the tactics your insurance company may take to diminish the amount of your uninsured motorist claim:

  • You were at fault or partially at fault for the accident
  • Your injuries were minor and cleared up
  • Your medical bills were too high
  • You were treated for a pre-existing condition such as arthritis or degeneration

Indiana automobile accident law is complex and becomes more complex when you are injured by an uninsured motorist.   If you have any questions regarding your Michigan City car accident claim, call our office at (219) 874-4878 .

About the Author

Guy DiMartino

I have loved helping people in need for almost three decades.  It has been my privilege to serve people as their pastor, chiropractor, and lawyer.  The current focus of my legal practice and life’s passion is helping the seriously injured receive complete compensation for their injuries. I am a Florida Board Certified Civil Trial Attorney. What that really means is that I am no stranger to the courtroom.  I have successfully tried and handled serious cases in state and federal courts.  My backgrounds in both law and chiropractic medicine have given me a unique perspective, extensive knowledge, and wide experience to serve those I represent. For years as a chiropractic physician, I treated my patients to alleviate their pain and suffering. Now as their lawyer, I fight to bring them financial compensation for their pain and suffering. During my years of service, I have handled many traumatic injury cases ranging from the traumatic amputation of a limb to brain and spinal cord injury.  I consider it an honor to serve you and your family. When a person entrusts me and I accept to represent them, I don’t take that relationship and responsibility lightly. My approach is that we work as a team. We are partners and our goal is the best outcome for you and your family with the highest level of communication throughout. I am always available by phone or email to discuss my potential representation of your injury case. I handle cases throughout Florida. Education: National University of Health Sciences – BS (1984), DC (1986) Valparaiso University School of Law – JD, summa cum laude (1999) Bar Admissions: Florida (2000), Indiana (1999), Illinois (2000, expired); US District Courts of Appeals (11th Circuit, 7th Circuit); United States District Courts: Southern and Middle Districts of Florida; Northern and Southern Districts of Indiana; Northern and Central Districts of Illinois; and District of Colorado. Certification:  Civil Trial, Florida Bar Guy DiMartino on Google+ – Circle Guy on Google+ Guy DiMartino on Google+

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