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Smart Folks File Uninsured Motorist Claims ...

By Ward Merdes

Almost all automobile insurance includes "Uninsured Motorist" (UM) or "Underinsured Motorist" (UIM) coverage. Yet, most people who buy this insurance fail to file a claim when they are hurt by an uninsured or underinsured motorist. Here's what you need to know

UM/UIM coverage is personal. All it requires is that you were hurt by another person who was driving a motor vehicle. You don't need to be anywhere near your insured car for the coverage to apply. You can be in a friend's car - walking on the beach - or hopping on a pogo stick. UM/UIM coverage will be there if you are hurt by an uninsured or underinsured motorist.

Oddly, most folks who pay for UM/UIM insurance never think to file a claim when they are hurt away from their own vehicle. Most folks think that they have to actually be in their own car for their UM/UIM insurance to apply. That's not how it works.

Most folks also don't know that there is no time limit on filing UM/UIM claims. Normally, you can file a UM/UIM claim at any time. In some situations, where a child was badly injured 10 or 15 years ago, a parent may bring a UM/UIM claim today. The same holds true for adults. The Statute of Limitations is usually no bar to a UM/UIM claim. And while it is always best to act quickly, many UM/UIM claims can be brought years after the injury arose.

BOTTOM LINE: Remember to look into UM/UIM claims whenever a loved one is hurt by a motorist. In Alaska, these are some of the best ways that we help our injured clients move toward a better future. Always buy a TON of UM/UIM insurance, and use it when you need it. Just don't be surprised that your insurance agent failed to mention your right to bring a claim...

Full post as published by Fairbanks Alaska Statewide Personal Injury Lawyers on February 10, 2008 (boomark / email).