If you’ve been involved in a car accident and the at-fault driver is uninsured or underinsured, you might think your own insurance will quickly provide a fair settlement. Unfortunately, this isn’t always the case. Here at The Law Offices of Brent W. Caldwell, we’ve seen firsthand how challenging it can be to get a fair settlement from your own uninsured/underinsured motorist (UIM) coverage without the assistance of a knowledgeable lawyer.
Case Study: A Real-Life Example from Huntington Beach
Let’s consider a real case we handled recently in the Huntington Beach area of Orange County. Our client was severely injured when another driver ran a red light and T-boned their vehicle. The impact was significant, deploying the airbag and resulting in a fractured wrist for our client. The medical bills alone were $18,000, and several months of recovery were needed.
To make matters worse, the at-fault driver was not insured. Our client turned to their own UIM coverage for compensation. However, the initial offer from their insurance company was a mere $20,000—far short of what was needed to cover medical expenses and the impact of their injuries.
Why You Might Need a Lawyer Even with Your Own Insurance
Dealing with insurance companies can be frustrating, especially when you’re trying to recover from an accident. Insurance companies, including your own, are often more concerned with minimizing their payouts than ensuring you receive what you deserve. This is where a skilled lawyer can make a significant difference.
In our client’s case, we stepped in to fight for a fair settlement. Recognizing the inadequacy of the $20,000 offer, we requested arbitration, a process that involves a neutral third party to help settle the dispute. Through persistent negotiation and expert representation, the case ultimately settled for the policy limit of $250,000.
Steps to Take When Dealing with UIM Claims
- Report the Accident Immediately: Notify your insurance company about the accident as soon as possible.
- Document Everything: Keep detailed records of your medical treatments, expenses, and any communications with the insurance company.
- Don’t Accept the First Offer: Initial offers from insurance companies are often lower than what you may be entitled to.
- Consult with a Lawyer: Even if you’re dealing with your own insurance, having a lawyer can ensure you get a fair settlement.
What to Expect During Legal Proceedings
When you work with us, we start with a free consultation to understand the specifics of your case. We operate on a contingency basis, meaning you don’t pay unless we win your case. From there, we gather all necessary documentation, negotiate with the insurance company on your behalf, and if needed, proceed to arbitration to secure the compensation you deserve.
Choosing the Right Attorney
Select an attorney with extensive experience in personal injury and UIM claims. Look for a lawyer who offers a no-win, no-fee guarantee, as this shows their commitment to fighting for your best interests. At The Law Offices of Brent W. Caldwell, we pride ourselves on our successful track record and our dedication to our clients.
Free Consultation
If you’ve been injured in an accident and are struggling to get a fair settlement from your insurance company, don’t hesitate to reach out. Contact us today for a free consultation. Let us help you navigate the complexities of your UIM claim and ensure you receive the compensation you deserve.
