How Do I make a Claim for Uninsured Motorist Insurance Coverage ?
While not necessarily a direct factor used in determining the value of your personal injury claim, an experienced Baltimore personal injury lawyer will tell you:
The amount of your uninsured or underinsured motorist coverage is a direct factor in determining the amount you may be able to recover in a car accident case.
Let’s say you have the misfortune of being injured in an automobile accident, and you sustain personal injuries, incur medical bills, and experience wage loss. As attorney Eric T. Kirk will tell you, in an ideal situation, the amount of liability insurance carried by the at-fault-driver would be sufficient to cover your losses. What if the at-fault-driver had only 30,000 in coverage, and your losses well exceed that amount? What if the at-fault driver had no coverage at all?
In the scenario where the at-fault driver did not have enough coverage, you would look to your insurance company and your [first party] coverage for “underinsured motorists” as an additional source of funds for you to recover. In the scenario where the at-fault driver had no coverage, you would again look to your insurance company and your coverage for “uninsured motorists” as an additional source of funds for you to recover. Some states may categorize these two distinct scenarios as falling under distinct policy provisions [i.e. uninsured v. underinsured]. Due to the working of the Maryland law dealing with these benefits, both situations are handled by the same type of Maryland insurance coverage.
Maryland has also recently enacted provisions dealing with “enhanced” uninsured / underinsured motorist insurance coverage. The steps, procedures, considerations, and pitfalls of dealing with your uninsured/underinsured motorist carriers are explored in other chapters of elsewhere on this page. An experienced Baltimore personal injury attorney can provide you with guidance to ensure you fully recover your losses. If you have a claim that involves an application for underinsured motorist coverage benefits, call me today to arrange a complimentary discussion on the best course of action.
If you’ve been injured, I’d be honored to personally meet with you to go through the specifics of your claim. This initial legal analysis and case opinion is a complimentary service I offer to my prospective clients.
- Baltimore Personal Injury Trial Lawyer Eric T. Kirk
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- Baltimore Insurance Claims Denial Lawyer
For over three decades, I have battled against the nation’s largest insurance companies, always endeavoring to ensure my clients receive the compensation they deserve. As lead counsel in thousands of cases across Maryland, New York, and Florida, I have recovered millions for clients whose claims were wrongfully denied and delayed. Whether denying fair compensation for a personal injury victim or denying benefits to a homeowner, Insurance companies employ policy exclusions, technicalities, and lowball offers to deny and defeat claims. They also hire very good lawyers to fight you in court. So should you. When an insurance company unfairly rejects a claim, I stop them.
