HOW TO FILE AN UNINSURED MOTORIST INSURANCE CLAIM?

HOW TO FILE AN UNINSURED MOTORIST INSURANCE CLAIM?

Posted on Wednesday, September 9th, 2020 at 2:30 am    

All drivers in California are required to maintain minimum liability coverage. However, many drivers do not obey the law. If an uninsured driver causes your car accident, you could end up with thousands of dollars in financial losses and damages that you must pay. You can file a personal injury lawsuit against the uninsured driver, but you might only get a worthless paper judgment that you will never be able to collect.

However, if you have uninsured motorist coverage on your car insurance policy, you might be entitled to compensation for your injuries, losses, and damages through your insurance company.

What Does Uninsured Motorist Insurance Cover?

Uninsured motorist (UM) insurance is an optional insurance coverage you can purchase with your liability insurance policy. The premiums for UM policies are usually very low, so it is wise to purchase at least some UM coverage.

When an uninsured driver injures you, you can file a claim for damages against your UM coverage. You should be able to receive compensation that you could receive if the at-fault driver had liability insurance coverage. Damages in your UM claim include:

  • Past and future cost of medical care
  • Past and future personal care expenses
  • Past and future loss of income and benefits
  • Pain and suffering damages
  • Scarring and disfigurement
  • Disability and impairment
  • Loss of enjoyment of life
  • Other out-of-pocket expenses and costs

The value of your claim depends on the facts of your case. Your insurance company is only liable up to your policy limits, so consider high limits to provide the best protection against accidents caused by uninsured motorists.

How Do I File an Uninsured Motorist Claim?

The process of filing a UM claim is the same as filing an insurance claim against the other driver. You notify your insurance company of the accident and open a claim. The company assigns a claims adjuster to investigate the accident and value the claim. If the adjuster agrees that the company is liable, the adjuster calculates the value of the claim and makes you an offer. You can either accept or reject the offer of settlement.
Unfortunately, this overly-simplified version of filing an uninsured motorist claim is the exception instead of the rule.

Consider the following:

  • Your insurance company is the same as all other insurance companies – it is in business to make a profit. Therefore, it wants to pay as little as possible to settle your claim.
  • Your claim is treated as any other claim. Therefore, the adjuster may use unfair insurance tactics to undervalue or deny your insurance claim.
  • You are not working with our insurance agent, so the care and concern you may be accustomed to receiving when you pay your insurance premiums may not be present.
  • To recover compensation, you must prove that the other driver caused the accident. If the insurance company believes it can blame you for the crash to get out of paying a claim, it will probably do so.

Even though you are dealing with your insurance provider for a UM claim, the same advice applies. You should talk to a car accident attorney as soon as possible about your claim. Learn about your legal rights and your options from a trusted legal advocate for accident victims. Do not agree to provide a statement, sign documents, or discuss the claim in detail until you speak with an attorney.

Protect Your Legal Rights by Calling a Sacramento Accident Lawyer for Help

If you have questions or want to discuss your claim further, call (916) 999-9000 now for a free consultation with one of our Sacramento accident lawyers.

Client Testimonials

Elena Basquez
Quote

The Tiemann law Firm has been very good to me ever since I walked in the door. James and Emily have been very responsive and professional and make me feel comfortable when I start to freak out a bit. Accidents can be pretty stressful and I feel like they’ve gone above and beyond. I’m happy that keep me up-to-date on how my case is going. I appreciate that they make me feel like a priority and that they take my case serious. I have already recommend them to a few friends and family members. God forbid I get into another accident, but if I do, I know exactly where to come for help.

Elizabeth Ochoa
Quote

I chose Tiemann Law Firm to help me after a car accident I was involved in. Throughout the entire process, Moe made sure to keep me updated, he always responded quickly whenever  I had questions about anything. My case won thanks to this law firm and their dedication. My experience with Tiemann Law Firm was amazing! 10/10 recommended.

Beca Lopez
Quote

Such wonderful experience with Tiemann Law firm. The employees are great, respectful, and kept in contact with me throughout the entire process. I would definitely recommend this firm. Thank you so much for your services!

Tajii Black
Quote

Don’t listen to the bad reviews! My experience with this law firm is unmatched , I always recommend to colleagues and friends and they have not been disappointed either. Great quality people who care about the outcome not just the bottom line

Dawniel Ewing
Quote

I have nothing but great things to say about this firm. They have been extremely helpful and professional when dealing with my case. Anytime I needed anything or wanted updated they responded immediately. They made me feel like they cared. Highly recommend them!

Amy J
Quote

Tiemann Law Firm is a great law firm. The best part is we won and I received a bigger settlement than I thought was possible! They keep in touch and are friendly and easy to talk to. If you want the best settlement for your case,   CALL THESE GUYS!!!

Michael T.
Quote

I sat down and met with Jelena Tiemann about my vehicle accident.I presented all of my documentation to her in which she gave me her assessment.Although the Tiemann Law Firm wont be representing me because my settlement offer was pretty good she was very clear,forward and professional about what she felt could and couldn't be done.I recommend this law firm to anyone who needs a helping hand at fighting a case where you don't have to worry about the outcome not going in your favor. Please don't review this business if you received a freebie for writing this review, or if you're connected in any way to the owner or employees.

Herb T.
Quote

The Tiemanns were referred to me by a friend and I am exceptionally happy with the service I received. I had never been in an accident before. I had no idea what to do. Jelena verbally explained how everything would work to me, and she and Peter handled everything. I didn't have to lift a finger once. They went above and beyond for me and I am extremely grateful. I pray I won't ever need this type of assistance again, but I will definitely be referring them to friends and family.

Jennifer T.
Quote

I highly recommend The Tiemannn Law Firm! I had never before been in a situation where I sustained injury and had to seek legal representation. I was nervous, traumatized, and had no idea what to expect. Jelena, Peter, and their staff walked me through each step of the process. They explained everything in detail. They patiently answered all my questions, responded quickly to every email, text message, phone call, etc. I felt totally prepared for each new phase of the legal process. Furthermore, they were fearless in their defense of me. In certain situations, when I felt attacked or scared my attorney protected me like I was family. Their diligence, honesty, integrity, and compassion provided a true sense of healing and closure for my family and I. The Tiemann Law Firm accomplished more for me than I ever thought possible and I am forever grateful.

Hanna Padilla
Quote

From the very start of my case the Tiemann Law Firm was wonderful. Perter came all the way to my home to sit down and talk to me about my options. He made me and my partner feel very comfortable and promised us he would take the very best care of my case. Peter kept me informed every step of the way and was always on top of things. everything was done in a timely manor and I always felt like I was the only case he was working on because he was so fast. In the end Peter got me back way more money than I ever expected. I would recommend this law firm to everyone. I am very happy with the outcome of my case thanks to the Tiemann Law Firm! Thank you!

S.B.
Quote

Here's the thing... Nobody really thinks much about lawyers until they need one.  Well, we needed one!  The Tieman Law Firm came through for us in a big way. They were professional, courteous, thorough, and had an excellent staff as well.  Highly recommended...

Star Fire
Quote

It is hard to put into words the care and dedication that I received from the Tiemann’s. They have been here for me every step of the way and were always available when I had questions or concerns. My husband and I will be forever grateful for everything they have done for us and our family. Thank you so much for all of your hard work and time you have put into my case, we greatly appreciate it and your friendship. We highly recommend this firm and will always be thankful for everything they have done. Thank you so much again, Kim

Jereme S.
Quote

No-one wants to have to hire a lawyer, but if you do. I prefer Tiemann Law. They helped a family member who was injured on the job, and the company did not want to compensate him even though, the injury occurred on the job on company time. Jelena was always professional in explaining the lengthy process of fighting a large corporation. 2 years later he finally is receiving the deserved compensation.

Maye Ly
Quote

I just saw my lawyer Jelena Tiemann on a t.v ad, which reminded me how much she helped when I was in a desperate situation. I just love her! That is why I feel a need to tell everyone. I had a situation that happened & didn’t know what to do, our where to go. I didn’t even know if she could help me or if any lawyer could. All I wanted was it to go away & was afraid most lawyers wanted to drag it out & possibly go to court. For one she was very professional but was very personable (maybe b.c she’s a lady). She didn’t make me feel embarrassed or self-conscious that I did something wrong or was the cause of the situation. She immediately said we should try our best before going to court. Let me handle some paperwork, if at the last we do go to court we have documents. She gave me all the details, pros and cons but reassured me she deals with these cases all the time. She came through and made it as painless as possible. I now have my life back.

Matt H.
Quote

I was in a car accident a while back where I was injured and had to miss work for an extended period of time.  After nearly a year of fighting with the insurance company with no results and no progress, I met with Jelena Tiemann.  I couldn't have asked for a more responsive and supportive advocate.  We quickly reached a settlement and I finally was able to move from the stress and burden of feuding with my insurance.  I highly recommending meeting with Jelena if you're in need of a lawyer.

Jennifer Birdseye
Quote

Tiemann Law Firm helped us with an injury case for my nephew. They were very knowledgeable and we are very happy with the service they provided. The entire staff is topnotch!

Lendzey Garcia
Quote

I was in a very bad/ major car accident I originally had an attorney who wasn’t trying to help me out much or take any of my calls so I called Tiemann and told them my situation. They made it an AWESOME and Smooth transition over to them and took on both cases I had. I just settled on my big case and am beyond great full. For them and their team! I highly recommend them. To add on to this a little On how much they will work with you, I moved to Montana in the middle of all Of this and it was not an issue!