Uninsured and Underinsured Motorists Claims
Boise Idaho Injury Attorneys For Uninsured Motorists and Underinsured Motorists Insurance Claims
When you are injured by a negligent motorist, you can seek compensation from their insurance company for medical bills, lost wages, pain and suffering and other losses. What happens, though, when the at-fault driver does not have insurance or does not have enough insurance to cover your damages? The area of Uninsured (UM) and Underinsured (UIM) motorists is a specialty in the realm of injury law.
Idaho Attorneys To Help With Uninsured and Underinsured Motorists Claims
Call us at (208) 343-7510 to schedule your free initial consultation about a claim where the other driver has no insurance or not enough insurance.
If you have purchased the right coverage, you may recover your damages. Idaho law does not require that you by either UM or UIM coverage. We recommend, however, that you purchase as much of these types of insurance coverage as works within your budget. It is relatively cheap and protects your family. Its always worthwhile to review your insurance coverage at the start of the year
How Does Uninsured Motorists (UM) Coverage Work?
This is pretty simple, when a bad driver causes you an injury and you learn they did not have liability insurance your UM insurance policy provides a benefit to you and allows you to recover your damages. There are some specific rules that apply but your insurance company has a legal obligation to treat you fairly or you will have a claim to recover your attorney fees as well.
How Does Underinsured Motorist (UIM) Coverage work?
Idaho requires drivers to purchase insurance with a minimum bodily injury limit of $25,000.00 per injured party with a total potential payout of $50,000.00. You don’t have to be injured very severely in an automobile accident for medical bills to use up all that insurance money. Then you have the rest of the economic damages—lost wages and the like, and non-economic damages, like pain, suffering and inconvenience. UIM coverage provides additional money to cover these losses and expenses. In Idaho, as soon as you can ascertain that the insurance coverage for the bad guy is insufficient, you can assert a claim for under your UIM coverage.
Am I Required to Purchased UM or UIM Coverage?
No. The only auto insurance you are required to buy in Idaho is liability coverage. That coverage provides a benefit to other people that you happen to injure. UM & UIM provide a benefit to you and to loved ones. Your insurance carrier is required to give you the opportunity to purchase these coverages and you have to sign a waiver not to choose them. You may waive UIM coverage from your policy. However, should you suffer a severe injury, if you don’t have UIM coverage, you may not receive the maximum compensation you are owed for the injuries you’ve sustained. Even though you aren’t legally required to purchase UIM coverage, UIM coverage provides you with a significant benefit for only a relatively minor increase to your monthly premium.
Should I Buy Uninsured and Underinsured Motorist Coverage?
Yes! We don’t use exclamation points often but it is appropriate here. UM/UIM coverage is relatively cheap and protects you and your loved ones.
At Hepworth Holzer, LLP, we are dedicated to securing compensation for people who have been injured by underinsured motorists and uninsured drivers. These “UM” and “UIM” claims require specialized knowledge. We bring many years of experience to each uninsured motorist and underinsured driver claim.
Sometimes You Have To Sue Your Own Insurance Company
As Idaho underinsured motorist attorneys, we understand that some people may not feel comfortable with the notion of suing their own insurance company. However, if you have been injured by an underinsured or uninsured motorist, it is most likely your only option. Sometimes, you can arbitrate or mediate but in most cases you have to sue the insurance company. Our law firm has been successful in negotiating fair settlements for our injured clients. We know the tactics insurance companies use to deny or delay claims. We are well-versed in the ways to resolve insurance company disputes.
Contact Us For A Free Case Review and Assessment Today
Choosing the right law firm to handle your case makes a difference. We will answer your questions regarding an uninsured driver or underinsured motorist claim. You can schedule your free initial consultation with our Boise and Ada County uninsured motorist lawyers. We speak Spanish, can arrange evening and weekend appointments or can home to your home or hospital room.
Call us at (208) 343-7510 or toll free at (877) 343-7510. We also are happy to be contacted online.