Uninsured Driver Claims: Maximize Your Compensation

Bernie Tully Personal Injury Lawyer. Phone: 412-281-8700

Today’s blog is about 2 crucial things you need to know in order to successfully maximize your compensation for uninsured/underinsurance claim.  An uninsured/underinsurance claim is a case where the wrongdoer who caused the accident either does not have any insurance or has inadequate coverage to make you whole. Normally, you make a claim against the insurance company for the driver that caused the accident, but you can then make a 2nd claim, an uninsured/underinsured motorist claim, through your own insurance company in some cases. What are the 2 crucial things you must know to successfully maximize your compensation and get you the most money?

Mediation of Your Underinsurance

First, if your insurance company will agree to the mediation of your underinsurance (UIM) claim, you have to make sure the adjuster is physically present and there at the mediation. Why is that important? If the collision occurred in Pennsylvania and the adjuster is in Florida, it is easy for the Florida adjuster on the phone to say, “That is all we are giving you, take it or leave it.” When the adjuster has a stake in the game by having to get on a plane and travel to your area where the mediation occurs, they have a reason to try to get it resolved because they have invested a lot of time in the process. We require, if we are going to do mediation on an underinsurance case, that the adjuster for the other side must be present at the mediation. Your success rate if you have the adjuster there is about 98%. That is why most of our mediations settle.

Be Prepared for Your Underinsurance Case

The 2nd crucial fact to know about an underinsurance case is that you must have everything lined up. You can’t say, “Well, we will get you those records or bills in the future.” Before you agree to the mediation, you must have all of the records and medical bills so that you can present them to the other side. Why? Because they will not accept you on your word and it won’t settle your case unless they see all the records. The lesson:  make sure you have all your ducks in a row before you agree to the mediation!  Follow these 2 steps to maximize underinsurance claim.

Our main focus is honesty. We always preach it. We are passionate about trying to help any injured person or family member with their case. Questions about the blog? CALL US!

Bernard Tully Allegheny County Lawyer. Phone: 412-281-8700 and 1-800-518-0050