Uninsured and Underinsured Motorist Claim
Auto insurance companies continue to update their policies to offer all-inclusive solutions to their clients. Consequently, many companies now provide uninsured and underinsured coverage as add-ons to standard coverage. Because of that, many motorists who are victims of auto accidents now have the right and privilege to make an uninsured and underinsured motorist claims as applicable.
Unfortunately, how uninsured and underinsured motorist covers work can be a bit confusing for many. It is in this regard that we decided to breakdown to you the ideas behind uninsured and underinsured motorist coverage policies.
What Is Uninsured Motorist Coverage?
It’s a component of the general auto insurance policy that covers the policyholder from any injury or damage that they or their vehicle may sustain when an insured motorist involves them in an accident. For example, if a motorist who doesn’t have insurance coverage hits your vehicle causing you to sustain an injury or your car to suffer damage, your insurance provider will shoulder the cost of the treatment you will require or repair your car will need when you have uninsured motorist coverage. Even hit and run drivers are considered uninsured motorists. Don’t worry, the negligent driver will be punished by the law as it is illegal to get behind the wheel without auto coverage.
What Is Underinsured Motorist Coverage?
It’s an element of standard auto coverage that covers you against the cost of treating injuries or repairing your vehicle which you may incur when a motorist with insufficient insurance coverage involves you in an accident. Please note that your insurance provider will not cover the entire cost but only the remaining balance after the underinsured motorist’s insurance provider has played their part.
Unlike being uninsured, being under-insured as a motorist isn’t totally a crime. That’s because many scenarios can create this problem. For example, if your vehicle is a high-end option whereas the other party’s an inexpensive choice, the cost of repairing the damage sustained by your car will likely be higher than what the at-fault motorist’s insurance policy covers. By the way, this is one of the biggest disadvantages that come with owning a super high-end vehicle. You end up helping others pay for your repair costs whenever they are culpable for damaging your car even though ostentatious cars rock.
Having the right attorney like Elliot Estamboli by your side can make filing uninsured and underinsured motorist claims smooth and painless processes. Your attorney will complete the necessary steps efficiently, prompting your insurance company to pay you without any frustrations.
Elliot Estamboli is an excellent attorney in Los Angeles for uninsured and underinsured motorist claim cases. If you would like to file a claim and get paid by your insurance provider quickly without being subjected to any frustrations, try this professional who has helped many clients like you before. It’s amazing the fact that they all received compensation faster than they anticipated. With nothing more to add, good luck.