One thing to remember when you are shopping for insurance is that it is best to leave no stone unturned in making sure you have a structured policy without any loopholes for the insurer to jump through later. While dealing with an insurer may be easier after some life experience and previous claims have been submitted over the years on your part, it is still vital to educate yourself on every detail possible of a new policy, understanding your needs for home or business, speaking with one or more agents in shopping around, and then guarding yourself against any gray area. The last thing you want to do is give the insurer an opportunity to deny your claim or delay it, as that could be extremely detrimental to your finances later.
Car insurance is a perfect example where you should not skimp on any of the basics, preparing for any type of accident, along with protecting yourself as much as possible financially – and avoiding cutting corners and leaving yourself open to what could be an unreasonable but perfectly legal denial by the insurance company.
Uninsured motorist coverage tends to be an ongoing topic and often a subject producing many questions as policyholders do not always purchase the coverage, and especially in Texas where it is not required. Insurance companies are required to offer it to you however, and it is recommended that you purchase it, especially in light of the 20 percent of motorists driving on the roads not carrying any insurance at all.
Uninsured motorist coverage may play a role if you have been involved in a hit-and-run accident also. These types of accidents can be the worst, not only resulting in very serious injuries and even fatalities, but also presenting the potential for great expense on your part when you are left to pay the bill. In most cases, uninsured motorist coverage will not pay for a hit-and-run although there may be some rare instances where it will cover you if there is a strong witness, neutral to both sides.
Because coverage may be difficult to pinpoint or there may be gray area, this is a perfect opportunity for an insurer who may have a tendency to practice in bad faith against policyholders to deny you quickly. Consult with an attorney as quickly as possible and let them handle all communications. It may be possible to use collision insurance after paying a deductible, along with Personal Injury Protection (PIP) if you have been hurt.
If you have been injured in an accident due to the negligence of others, this is not the time to go it alone! Please call the law offices of Andrew ‘Pike’ Piekalkiewicz, PLLC as soon as possible at (713) 748-7453 or visit AttorneySgtPike for a no obligation case review.
