Talking With Your Uninsured Motorist Insurer

• January 11 2024
• |   Insurance

Being involved in an accident can be stressful, but when the other party involved is an uninsured or underinsured motorist, the situation can be even more challenging and complicated. Since an uninsured driver is a person who has no auto insurance and an underinsured driver has inadequate auto insurance, when any of them cause an accident, it leaves you, the innocent party, in a difficult position.

Suppose you are adequately insured and have uninsured or underinsured motorist insurance. In that case, the most crucial step after being involved in these kinds of accidents is to engage with your uninsured motorist insurer. The dialogue between you and your insurer will impact the outcome and your ability to navigate the intricate insurance claims process.

Talking to your insurer is a challenging task. Insurance companies will try their best to avoid paying claims, or they will try to underpay, so when communicating with your uninsured motorist insurer, you need preparation, clarity, and persistence. You must understand your policy, effectively articulate the accident’s details, and know your rights. You also have to make sure you can engage in these conversations confidently. All these seem like a lot of work, but it would be a smooth ride with the right attorney by your side.

Leverty & Associates Law has uninsured motorist attorneys who can help you when you need to talk to your uninsured motorist insurer. If you or a loved one needs an attorney who is an authority in this field to help you speak to your insurer, do not hesitate to reach out to us.

Why hire our uninsured or underinsured coverage lawyer?

At Leverty & Associates Law, we have experienced and knowledgeable attorneys who can advocate for you and take a legal stance against unfair treatment from insurers. Our 50 years of combined experience helping and advocating for clients in similar positions will help us solve your issue and give you the necessary legal support.

We have successfully helped numerous clients and can help you, too.

Our attorneys will work tirelessly to make your case turn out in your favor. Your legal needs are our priority, and we will give you the professional and legal support specific to your case. Contact us at (775) 322-6636 (Reno) or (702) 507-0201 (Las Vegas) for a free consultation.

Steps to take before talking to your uninsured motorist insurer

After an accident with an uninsured motorist, you have to speak with your uninsured motorist insurer next. To do that effectively, you need to do the following:

• Collect evidence and information: Collect as much information and evidence as you can, especially from the accident scene. You need the other driver’s details, witness accounts, and photos of damage. Other evidence, like medical reports and bills, can also be used.
• Report to the authorities: Notify the police as soon as you can, even if the other driver does not have insurance. A police report can also be valuable when making a claim; it can help convince your insurer.
• Hire a professional: Dealing with insurers and insurance companies can be tricky. They will try to deny your claim or to underpay it. When you hire our uninsured motorist coverage attorney, you will have a legal professional to fight for a fair hearing and treatment.

How to talk with your uninsured motorist insurer

In insurance claims, effective communication acts as the bridge between adversity and resolution. Engaging with your uninsured motorist insurer is not just a conversation — it’s a strategic pursuit of justice and benefits owed to you as a policyholder, but you must do it properly. The following will help you when conversing with your insurer:

Understand the specifics of your insurance policy

Before discussing with your insurer, you must understand the specifics of your uninsured motorist coverage. Your insurance coverage exists to protect you in scenarios where the party at fault has no insurance. Knowing your insurance policy’s limits and terms and conditions will empower you to ask the right questions and advocate for yourself effectively.

Initiating the Conversation

Clarity and detail are your important allies when talking to your uninsured motorist insurer. You must provide a comprehensive account of the accident. This account should contain all the details of the situation, like the circumstances of the accident, involved parties, and any available documentation, e.g., a police report.

You must keep records of all conversations you have with your insurer; this includes dates, times, and the names of representatives spoken to for future reference. During these conversations, take note of some crucial points that you must address, such as:

• Policy coverage: Know and confirm the scope of your uninsured motorist coverage, including any limitations or exclusions.
• Claims process: Before filing a claim, you must understand the steps involved. Find out about the required documentation and deadlines.
• Settlement options: Discuss potential settlement amounts and your insurer’s criteria to determine your compensation.

Anticipate challenges

It is possible for challenges to arise during discussions with your uninsured motorist insurer. They might want to deny your claim for various reasons, whether fair or not. Be prepared for potential pushback or attempts to reduce the benefits you should receive. Maintaining a calm and persistent demeanor while reiterating the specifics of your policy and the accident’s details can be beneficial in this situation.

We are not afraid to go against insurance companies.

Seek legal assistance

If there are challenges with your insurer or you encounter obstacles or complications beyond your understanding, you can seek the guidance of your attorneys. Our experienced attorneys can provide invaluable support. Their expertise can help you navigate complex policy language, protect your rights, and get you your benefits.

Get help from Leverty & Associates Law

At Leverty & Associates Law, we have attorneys who have dedicated their time and knowledge to helping clients who require legal assistance. We have successfully helped many and can help you, too. We will listen to and advocate for you when you need it the most. Contact us at (775) 322-6636 (Reno) or (702)507-0201 (Las Vegas) for a free consultation.