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The realm of auto insurance claims, especially when navigating the complexities of underinsured motorist coverage, can be intricate and often leaves policyholders grappling with unexpected challenges. In this narrative, we delve into the nuances of underinsured motorist claims, shedding light on the importance of understanding this coverage and recounting a poignant case that underscores the potential hurdles faced by accident victims seeking rightful compensation.
Underinsured motorist coverage is more than just a checkbox on your insurance policy; it serves as a crucial lifeline that can protect you from financial turmoil in the aftermath of an accident. Contrary to common misconceptions, this coverage is not a mere courtesy from your insurance company but a service for which you pay a premium. It empowers you to seek compensation from your own insurer when the at-fault party’s insurance falls short, ensuring you receive the support you need to recover from the damages incurred in an accident.
Consider the case of one of our clients who is a young gentleman who experienced a severe head-on collision, resulting in a serious and complicated hip fracture. Despite the fault lying entirely with the other driver, the victim’s own auto insurance carrier hesitated to provide the policy limits owed to him. This scenario exemplifies a harsh reality – insurance companies, despite years of loyalty and premium payments, may not always act in the best interests of their policyholders when it comes to settling underinsured motorist claims.
The victim’s disbelief mirrored a sentiment shared by many: the one time he genuinely needed financial support due to the severity of his injuries, his own auto insurance carrier seemed reluctant to fulfill its obligation. This disheartening revelation exposes the potential challenges policyholders may face in obtaining the compensation they rightfully deserve.
In this case, the insurance company’s initial offer fell significantly short, offering questionable reasons for not paying the policy limits. However, our legal team refused to accept this subpar offer, showcasing their commitment to going above and beyond for their clients.
Rather than succumbing to the initial settlement, we pressed on. We revisited the medical evidence, obtaining a report from the surgeon who performed the necessary procedure. This report not only highlighted the immediate aftermath of the accident but also forecasted potential future complications and surgeries the victim might endure. Armed with compelling evidence, our legal team successfully secured the policy limits, ensuring the injured party received the compensation he rightfully deserved.
This case serves as a compelling lesson that insurance companies may not always offer fair compensation willingly. Challenging initial settlements, seeking additional expert opinions, and presenting comprehensive evidence can bridge the gap between what is initially offered and what is rightfully owed. Tenacity in the face of adversity is crucial in ensuring that victims of accidents receive the financial support necessary for their recovery.
The journey through an underinsured motorist claim may present obstacles, but understanding the value of this coverage and persevering in the face of adversity can make all the difference. Underinsured motorist coverage is not just a policy provision; it is a lifeline that, when activated, should provide the support promised by years of premium payments. If you encounter resistance from your own insurance company, remember that legal advocates are available to fight on your behalf, ensuring you secure the compensation you rightfully deserve. In the world of underinsured motorist claims, persistence is not just a virtue – it is a necessity.
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 Car Accident Lawyer. Phone: 412-281-8700 and 1-800-518-0050
