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Michigan City Indiana Car Accident Lawyer| Explains Uninsured Motorist Coverage

Guy DiMartino Nov. 4, 2014

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.