How to Deal With Insurance After an Accident
An accident can be a catastrophic and traumatic event for a person. And when injuries worsen and bills pile up, it can be nerve wracking trying to communicate with insurance so you don’t go under coming out of pocket for your medical costs.
This page is meant to help answer questions you may have with how to deal with insurance after an accident.
- Who pays medical bills after a car accident?
- When and why should you give a recorded statement to the insurance company?
- What should I do when hit by an uninsured motorist?
Who pays medical bills after a car accident?
If you were injured in a car accident that was caused by someone else’s careless or reckless driving, one of your first questions may be: Who pays medical bills after a car accident?
Sometimes, people find themselves too preoccupied with the pain from their injuries to think of the medical bill that will show up in their mailbox in the weeks following a visit to an emergency room or urgent care center. Many people are unsure if they should be using their own health insurance, or if the at-fault driver’s insurance company will be billed for the treatment.
The short answer is: You are responsible to pay for any medical treatment you receive.
While this may not seem fair, the state of Georgia is a third-party liability state, not a no-fault state. Under third-party liability, victims of car accidents have the right to pursue the at-fault driver for damages. Contact a Duluth car accident lawyer as soon as you can to learn more about your options.
How Liability Impacts Medical Treatment
Many people assume that the at-fault driver’s insurance company should take care of all of their expenses related to the accident, but liability must first be determined. This means that someone has to determine who the at-fault party is after an auto accident, and therefore which insurance company is liable. Knowing who pays medical bills after a car accident is detrimental in how you move forward.
Once liability has been determined and it is clear that the accident was not caused by you, the negligent driver’s insurance company is required to help pay for your property damage repairs, medical expenses, and any other losses, including pain and suffering and lost wages, through that driver’s liability coverage.
However, insurers will typically not reimburse you until you have finished all medical treatments and been discharged by your doctors. Unfortunately, this could take several months or even years before you have completely healed and have reached “maximum medical improvement” (or MMI) — which is the term often used by treating physicians.
In the meantime, most doctors require copays if you are treating through health insurance — or even more stressful, payment upfront if you are without any health insurance. If these medical facilities don’t receive payment, they will not hesitate to send your outstanding medical bills to collections. This will hurt your credit score, even when you weren’t at fault for the accident.
How To Pay Your Medical Bills During an Auto Accident Claim
Private Health Insurance
If you have private health insurance, the most important thing to do is make sure your medical bills are submitted to them. Using your health insurance to cover your medical expenses will get them paid immediately. You won’t get sent to collections while you are seeing doctors and waiting for your settlement, which allows you to obtain the proper care required for the injuries sustained, without depleting your finances until the case settles.
Another major benefit of going through private health insurance is that health insurance companies typically receive huge discounts (also known as “contractual write-offs”), which is highly beneficial if they attempt to subrogate against your personal injury settlement.
In the eyes of your health insurance company, money that they have paid for your health treatment should be returned to them out of any third-party settlement that you receive. Even if this happens, an experienced personal injury attorney can often negotiate the amount to be paid back to the health insurance company, which would allow you to end up keeping more of your settlement money.
Medicaid or Medicare
Unfortunately, many people are unable to afford private health insurance. If you get into an accident and have no health insurance, the first thing you can do is contact the state’s Medicaid office and find out if you qualify for Medicaid or Medicare. Medicaid and Medicare are both government-funded programs that provide health insurance programs for individuals who meet certain criteria in order to qualify for supplemented medical benefits. If you do qualify for Medicaid or Medicare, either can be used to pay your medical bills going forward.
But what if your health insurance coverage doesn’t cover all of your medical bills? For example, what about co-pays or remaining balances after insurance has paid their portion? Or, what if you don’t have health insurance in the first place?
Your Auto Insurance Company (MedPay)
Depending on the type of auto insurance policy you have, you may be able to pay for some — or even all — of your medical bills through MedPay. The term “MedPay” refers to medical payment coverage. This is optional insurance coverage that is offered as a part of your auto insurance policy. While car insurance protects your vehicle, think of MedPay as additional coverage to your auto insurance policy that protects the people inside of the vehicle.
MedPay can be used to cover the medical costs resulting from an auto accident, regardless of who was at fault. The exact amount that Med Pay will cover will depend entirely on your policy. If you are unsure whether you have MedPay or not, the quickest way to find out is to call your auto insurance provider and ask them to explain your policy. If you have MedPay, you can also ask how much your policy will cover in medical costs.
What happens if you don’t have private health insurance, don’t qualify for Medicaid or Medicare, and didn’t have Med Pay coverage on your auto insurance policy at the time of the accident? Does that mean you can’t receive the medical treatment that you need?
Luckily, the answer is no.
Medical Lien or Payment Plan
Some healthcare providers realize that many of their patients have no health insurance and are occasionally willing to work out a payment plan to allow you to make partial payments on a medical bill, or figure out another type of payment arrangement with you. Other healthcare providers may agree to treat the patient in return for the patient’s promise to pay the bills at the end of the case.
In the latter scenario, the provider will have the patient sign a personal injury lien, which will be sent to the patient’s lawyer. This lien is a binding contract between the patient, the provider and the patient’s attorney. It requires the lawyer to pay the provider from the final settlement or verdict of their personal injury case. The medical provider will not send you aggressively worded bills demanding payment. They will not send your outstanding balance to collections. They simply continue to provide you medical care and wait for payment at the conclusion of your personal injury case as they know that their bill will be paid in full because your attorney provided a lien on their behalf.
Don’t Ignore Medical Treatment Expenses
Keep in mind that any bill from a treating physician that you receive in relation to treatment for your auto accident injuries is ultimately the responsibility of the victim (not the at-fault driver). Any remaining balances from hospitals and doctor’s offices are to be paid in whatever manner you are able to do so. If you are unable to pay off the balances immediately you can let it go to collections until your case settles, but that could damage your credit score.
A more viable option would be to work out a payment arrangement. Contact the company that has sent the bill and let them know your situation. Even something as small as $5 or $10 a month may help to keep it from affecting your overall credit score.
Sometimes, you are left with no choice but to pay for out-of-pocket expenses yourself in order to make sure that your medical debt is not sent to collections. If this happens, it’s very important that you keep track of any and all payments that you are making so that you can submit everything to the at-fault driver’s insurance company at the end of the case to get reimbursed for all of those expenses.
Bills piling up? Get help and advice from a knowledgeable Georgia injury lawyer.
At the end of the day, medical facilities are businesses that must make money in order to continue their operations. If medical bills are piling up, it can be overwhelming. The last thing you need to have thrown at you is a stack of bills on top of the pain and suffering you are dealing with from an auto wreck that wasn’t even your fault.
Unfortunately, car accident victims are responsible for any medical treatment they receive. Doctors expect you to pay your medical bills, not the at-fault driver or their insurance company. You should never risk bankruptcy because you were injured due to no fault of your own in an auto accident.
If you or a loved one finds yourself a victim in an auto accident and are struggling with paying your medical bills, we invite you to contact our Atlanta car accident attorneys as soon as possible to get help. At Scholle Law, we make sure that you are getting the medical treatment you need, and we will fight to make sure you receive the maximum compensation that you deserve resulting from your accident.
When and why should you give a recorded statement to the insurance company?
Giving a recorded statement to an insurance company after a car accident is a nerve-racking experience. You suspect that they are “lying in wait” for you to provide one wrong answer that will forever be used against you. Even worse, what if you give honest and correct answers that are misconstrued and used by the insurance company to their advantage?
These are valid concerns and need to be addressed.
In this article, we hope to provide answers to some common concerns about providing a recorded statement to insurance companies that will put your mind at ease and supply solid practical direction.
So, let’s get started.
Are recorded statements required?
Can you choose to not be recorded?
There is no law or rule that says you have to do this. The only time you may potentially have an obligation to provide a statement to the insurance company is when you are using your underinsured or uninsured motorist coverage. In these cases, you are proceeding with a claim through your own insurance policy because the at-fault driver either doesn’t have enough insurance to cover your loss or has no insurance at all. Since you are going through your own policy, there may be a contractual obligation for you to provide a statement.
It is our experience that this question is not always as cut-and-dried as the insurance company makes it out to be. If your insurance company has you backed up against a wall by saying you have to provide a recorded statement, you may want to seek legal counsel going forward.
Are recorded statements beneficial?
While a recorded statement isn’t typically required, it can help expedite the resolution of your claim — in some cases. Your side of the story is usually a necessary condition for the adjuster to accurately assess the accident facts and make a liability decision. Traditionally, this is done by way of a recorded statement.
Also, providing a recorded statement allows the adjuster to refer back to your description of what happened if necessary. Sometimes there are three or more versions of what happened in an accident. That’s a lot of different versions for the adjuster to keep up with. So, if the need comes for the adjuster to recall your version of events, they can pull up the recorded statement and hear it again.
Furthermore, your side of the story matters. The adjuster is going to make a liability decision based on all of the information obtained. If you don’t provide your version of events, guess who’s version is the only one heard? That’s right: the other driver.
But then again, providing your version doesn’t automatically mean you have to give a recorded statement. There are other alternatives.
How to provide information without a recorded statement
Unless you immediately hire an attorney after a crash, eventually you must talk to the insurance company to make your claim. You can’t make a claim without communicating with the insurance company sooner or later. If you prefer to not provide a recorded statement, there are other alternatives.
First, tell the adjuster you don’t want to give a recorded statement of what happened. In this case, they can ask you the same question over the phone. The only difference is that it isn’t being recorded. The adjuster will put your answers in his or her claim notes.
Second, the adjuster can send you a list of questions to you by email and you can answer them this way. This will give you more time to think about your answer and be thoughtful so as not to accidentally give a wrong answer by mistake.
Third, your version of events may already be noted in the police report. If that’s the case, it may be sufficient to answer the basics of what the insurance adjuster needs to know. If the police officer documented the report incorrectly, you might need to consider how you will get the corrected version to the adjuster. In this case, you might consider doing one of the alternatives already discussed.
Disadvantages of giving a recorded statement to insurers
When talking to an insurance adjuster, it’s important to remember that anything you say can and will be used against you if it casts your claim into question. This is why it’s vital to say what you mean, but also to think about what you say before you say it.
Words can have different meanings to different people. Unclear or vague descriptions are confusing to the adjuster and ultimately create more questions. Ambiguity will not be in your favor. More times than not, this happens when the adjuster is asking questions to do with the time and space of the accident.
Below is an example of how an recorded statement answer about time can be misconstrued by the insurance adjuster:
ADJUSTER: How much time passed between when you first saw the other car pulling in front of you and your attempt to apply brakes?
YOU: Umm…I’m not really sure. Probably 10 seconds.
ADJUSTER: So you saw the car turning left into your path of travel and from that point it was 10 seconds before you applied brakes?
YOU: Yeah, I guess so. Maybe it was 8 seconds. The problem here is that 8 seconds doesn’t sound like much time. But let’s think through that.
Imagine you are going through an intersection and you are going the speed limit of 45 mph. As you approach the intersection and are about to go under the green traffic light, another car suddenly turns left directly into your path.
Now, begin to count off 8 seconds (1 Mississippi, 2 Mississippi, ……8 Mississippi).
It becomes clear that it probably didn’t take 8 seconds for you to respond and press the brake. It was probably more around 1 to 3 seconds. But since, by your own admission, you said 8 seconds, then the adjuster might believe that you had plenty of time to make an evasive maneuver. So why didn’t you? You have essentially admitted to the adjuster that you are partially responsible for causing the accident.
Space or Distance
Another problem with answering questions by insurance adjusters arises when they ask questions about space or distance.
For example, imagine an incident in which an object falls off of a truck. The truck is in front of you, and the object falls directly into your path of travel. You are unable to avoid running over the object. You are surprised by the falling object and lose control of your car, crashing into an embankment on the shoulder of the road.
See the example conversation below in which the adjuster is asking questions to do with space and distance.
ADJUSTER: So, you were behind the truck in traffic?
ADJUSTER: Approximately how fast were you traveling?
YOU: 55 mph
ADJUSTER: Okay. And what would say was the distance between you and the truck in front of you?
YOU: Hm…let’s see. Maybe about half a car length.
ADJUSTER: So, you were going approximately 55 mph and about half a car’s length behind the truck?
YOU: Yes, I think that’s right.
The problem here is apparent. The person who is answering the questions doesn’t fully realize what they’ve just communicated. Keep in mind that half of a car length is usually less than the height of the average adult. To put it plainly, that’s quite close.
Imagine it this way:
If the vehicles weren’t moving and were half of a car length apart from each other, you possibly could stretch out both arms and touch both vehicles at the same time.
So, did the person really mean to say they were going 55 mph and following that close?
In driver’s education class, we are taught that the general rule for following another vehicle is 1 full car length of distance for every 10 miles per hour of your own speed. If you are going 55 mph, this means you should have at least 5 ½ car lengths of following distance.
Unfortunately, if you told the adjuster that you were only half of a car length of distance behind the truck and going 55 mph, it would seem to the adjuster that you are partially responsible for your own damages because you were, by your own admission, following the truck too closely.
Think about what you’re saying before you say it. Always do your best to answer with the most accurate answers regarding time and space.
Advice for Whether You Should Give a Recorded Statement to the Insurance Company
Mean what you say
Don’t be wishy-washy. If you are going to proceed with a recorded statement, then answer the questions. Don’t agree to give a statement and then dance around the answers. If there’s nothing to hide, tell your side of the story just as it happened. If you feel there is a reason to be concerned about providing your statement, then hold off on giving one until you have professional input or legal representation.
Otherwise, let your yes be yes, and your no be no. Don’t equivocate or vacillate. At the same time, be careful. Just as when you are providing a factually correct statement to a responding police officer, you always want to make your answers easy for the adjuster to understand. Over talking or rambling about what happened in the accident can sometimes cause more questions in the adjuster’s mind than answers. It’s best to keep your answers simple, short and sweet.
Keep your thinking cap on
Perhaps you feel bad that the accident that happened, even though it wasn’t your fault at all. Caring and empathetic people who couldn’t avoid hitting a car that turned into their path will sometimes rush up to the at-fault driver, saying how sorry they are for hitting them. Later, the at-fault driver will tell their insurance company how much you apologized for the accident.
What you probably meant is that you hated that this happened and you wanted to make sure they were okay. However, in the context of an insurance adjuster collecting evidence, the word “sorry” can seem to imply that you have some kind of guilt about the accident. As a result, an adjuster may be compelled to ask some clarifying questions, such as: “Are you sure you didn’t do anything to contribute to the accident?”
For some, this could turn into “overthinking.” As a fact, you know you did nothing wrong. You know you were not speeding through an intersection. But you’re a nice person. So, you start thinking: Is it possible that I may have been going 5 or 10 miles over the speed limit and didn’t realize it? You don’t believe that you were. But as an honest person, you admit to the adjuster that it is possible.
In an adjuster’s world, you just admitted that you think you may have been speeding. That is not what you meant, but that is what he or she will note.
Should you provide a recorded statement to the insurance company or not?
For the most part, recorded statements can be helpful to an adjuster as they move your claim further along through the claims process. That being said, recorded statements are also commonly used to trap unsuspecting claimant’s in their own words. As a result, we advise our clients to be reluctant to give a recorded statement when much of the same information can be provided without one.
Nearly every insurance carrier is going to ask for a recorded statement after an accident. The questions are going to be very detailed and often difficult to answer.
You should also know that the adjuster is also going to ask you if you were injured. Obvious injuries always get a resounding “yes.” However, it’s not uncommon for folks who are sore from an accident to say they were not hurt. Maybe you weren’t hospitalized, so you answer “no.” So the adjuster documents that you admit to having no injuries or pain from this accident, and moves toward closing their file on the bodily injury side.
The truth is, even though you were not hospitalized, you may have been experiencing pain ever since the day of the accident. On top of that, you now have medical bills and you aren’t sure who is going to pay them. Moreover, what if you have an injury that isn’t immediately known?
As harmless as the question “were you injured” sounds, you now have a problem. You were recorded saying you weren’t hurt, and insurance companies will try to minimize pay-out wherever possible.
Unfortunately, recorded statements are commonly used against a claimant later down the road. The insurance company wants to save money and often does so at the expense of the victim. Don’t let the insurance adjuster talk you out of what is rightfully yours. Your best resource is always going to be experience. Hire an injury attorney who is experienced with handling the insurance company directly.
What should I do when hit by an uninsured motorist?
Georgia law requires that all owners of a motor vehicle maintain at least $25,000 in liability insurance on their vehicle at all times (OCGA 33-7-11). Everyone should know what to do when hit by an uninsured motorist. Most of us follow this law and have the minimum required insurance policy.
Unfortunately, not everyone obeys the law.
Some Georgia drivers purchase auto insurance just long enough to obtain financing on their new vehicle, and then they allow their policy to lapse. Others may struggle to keep up the payments on their car insurance and it’s eventually cancelled for nonpayment by the insurance company. Sadly, others just don’t care and have no intention of purchasing insurance in the first place.
Regardless of the reason why a driver is uninsured, if they cause a collision with you then you will be faced with the possibility of having to file an uninsured motorist claim. Continue reading to learn what to do to help get through this process following a car accident.
Who is an uninsured motorist?
In the context of an auto accident, the term “uninsured” generally means that there is no applicable liability insurance available to cover damages caused by an at-fault driver. There are several possible reasons for why there may be no applicable coverage.
First, there may be no coverage because there is no existing insurance policy for the at-fault driver. Never assume that just because the law requires everyone to have liability insurance on their vehicle that everyone actually does.
Second, a policy may actually exist, but coverage is denied by the insurance carrier because of a violation of the policy agreement. The insurance carrier is under no obligation to advise you as to the reason for their being no applicable coverage. However, there are many reasons for a coverage denial.
We’ll explore some common causes of coverage denials below.
8 Reasons for Coverage Denials
When an auto accident is reported into an insurance companies’ claim call center, no analysis is made about whether or not there is applicable coverage. The final analysis over applicable coverage is completed by the assigned insurance adjuster or a coverage analysis team. At the end of the coverage analysis, there could be several possible reasons why the insurance company concluded that there is no applicable coverage for the accident in question. On the list of what to do when hit by an uninsured motorist, worrying about being covered shouldn’t be on it.
1. No active policy
First, coverage may be denied if there is no active policy at all. This can happen when erroneous or inaccurate information is given to the police officer at the accident scene. Contrary to popular belief, the responding officer doesn’t determine if a driver has active insurance. The responding police officer can only tell what insurance was reported to the DMV at some point in time.
Second, coverage may be denied if a policy was cancelled for nonpayment. Just because someone originally had insurance coverage doesn’t necessarily mean that they maintained it. Insurance coverage is maintained by paying your insurance premiums on time. Unfortunately, not everyone is willing or able to do this. If an at-fault driver isn’t paying their insurance premiums on time, their insurance policy may be cancelled and lapse. If the policy is cancelled, producing an insurance card at the accident scene will mean nothing. In such a case, there is no liability coverage for the at-fault driver.
3. Driver excluded from policy
Third, coverage may be denied if an at-fault driver is excluded from the policy. This could happen when a household member has a bad driving record or is a new driver (such as a teen). In order for the policyholder to have a reasonable insurance rate, the policyholder might have agreed to exclude the new or bad driver from driving their vehicle. If the excluded driver operates the vehicle anyway and causes an accident, there may be no coverage.
4. Vehicle isn’t covered
Fourth, coverage may be denied if a newly purchased vehicle was never properly added to a policy within 30 days of purchase. As a general rule, insurance carriers allow 30 days for newly purchased vehicles to be added to a person’s existing auto policy. If the newly purchased car wasn’t properly reported to an insurance carrier and was in an accident inside 30 days of purchase, most carriers will still provide coverage. However, if the newly purchased vehicle is not added to an insured’s policy within 30 days, coverage may be denied in the event of a crash. Most insurance carriers are strict about this rule.
5. Accident occurred outside of policy period
Fifth, coverage may be denied if the accident didn’t occur within the policy periods listed on the at-fault driver’s declarations page. In some respects, this is the same as no applicable policy existing. But there is a slight difference between these two. On one hand, there may be no policy at all. On the other hand, a policy period for an active policy may have recently ended. In that case, it’s not completely accurate to say no policy existed at all. The more accurate description is that a policy exists but doesn’t provide coverage for the date of the accident in question. In short, the accident took place outside of the policy period.
6. Material misrepresentation
Sixth, coverage may be denied if the insured committed material misrepresentation when the policy was either purchased or updated. Insurance premiums (the price you are charged for insurance) are determined according to the facts provided to the insurance carrier’s underwriting department. Underwriting determines how much you are going to be charged for insurance based on how much of a financial risk you are to their company. High risk drivers pay higher premiums. This being the case, a prospective policyholder could be tempted to conceal or withhold certain facts to keep their insurance premiums down.
For example, most people understand that insurance rates go up significantly when teenage drivers are added to an auto insurance policy. So some parents may be tempted to not disclose that they have a teen driver in their home. Not disclosing this seems, on the surface, like a creative way to circumvent the system. Your rates stay low and the teen driver in your home gets to drive. However, if that teenage driver is in an accident and was never rated by underwriting, it’s possible that the insurance carrier may determine that the named insured on the policy committed material misrepresentation and deny coverage.
7. Driver didn’t have permission to use vehicle
Seventh, coverage may be denied if the at-fault driver wasn’t a permissive user. Typically, this isn’t a real threat to coverage. However, some companies take a hard line on this. If a named insured communicates to their own insurance carrier that the at-fault driver had no permission to use the vehicle, coverage might be automatically put in question and could eventually be denied. However, generally, coverage isn’t denied over this issue unless there is a police report that reflects the car was stolen. If the at-fault driver has a known history of using the vehicle, the issue usually goes away.
8. Driver exclusion
Eighth, coverage may be denied because of an exclusion listed in the policy covering the at-fault driver. Usually, the applicability of liability coverage in the event of a covered loss is very broad. However, some factors can come into play that increase the chances of accidents and these factors are excluded upfront in the policy language.
For example, most auto insurance policies exclude drivers that transport people or material for money (such as drivers for Uber or Lyft). Such activity is believed to increase the likelihood of an accident by the simple fact that the person is driving more than they usually would where they are not driving for money. Therefore, this activity is excluded and not covered.
For similar reasons, coverage may be excluded if a person causes an auto accident while in the midst of committing a crime. Fleeing from police would be a good example of this. Naturally, if one is fleeing from the police in a car, their chances of causing an accident are exponentially higher. Therefore, the insurance company may not cover such a high-risk activity and will deny coverage.
For other examples of exclusions, review the exclusion section of your own auto insurance policy.
Hit and Run Drivers
When an at-fault driver flees the scene of an accident, this is commonly referred to as a hit-and-run. Sometimes, the hit and run driver is located later. Sometimes they aren’t.
If they aren’t, you now potentially have an uninsured motorist claim. We say “potentially” because there are several conditions that must be met before you can actually move forward with an uninsured motorist claim after a hit and run accident.
First, you must have uninsured motorist coverage on your own policy in order to make an uninsured motorist claim. If you are unsure if you have this coverage, look on the declarations page of your policy. If you don’t have a copy of your declarations page, call your insurance company and ask them to send it to you by email or mail.
You DON’T have uninsured motorist coverage
If you don’t have uninsured motorist coverage, your options are limited. You may turn to your collision coverage to fix your car. However, this will only address the property damage. If you don’t have collision coverage, then no coverage exists for you to fix your car. You will have to either pay for the repairs out of your own pocket or not fix your car.
You DO have uninsured motorist coverage
If you do have uninsured motorist coverage, then you should be able to process a claim that may address both your property damage and bodily injuries. We say “may” because additional prerequisites must be met before your accident can fully qualify with your own insurance company with an uninsured motorist claim. These prerequisites are set forth in Georgia law (OCGA 33-7-11) and are essentially two-pronged.
First, you must provide an official accident report to your insurance carrier. Second, you must be able to show evidence of physical contact between the vehicle of the unknown driver and your own vehicle. In some cases, physical contact isn’t mandatory if your version of the accident facts are verified by an independent witness to the accident.
If all conditions above have been met, you are now on your way to pursuing an uninsured motorist claim and can begin to address the damage caused by the at-fault hit-and-run driver through your uninsured motorist coverage.
Bodily Injuries and Uninsured Coverage
In Georgia, uninsured motorist policies can potentially stack on top of each other, causing the amount of available coverage to increase. However, this isn’t without conditions. In general, the question of stacking comes into play when there is more than 1 auto policy in the household with uninsured motorist coverage.
Let’s look at an example:
Let’s say you have $50,000 in uninsured motorist coverage on your own auto policy, and 2 members inside the same household also have $50,000 in uninsured motorist coverage on their separate policies. Each of those 2 additional uninsured motorist coverages may potentially stack, providing up to $150,000 in coverage (your policy plus the other 2).
In the context of an uninsured motorist claim involving serious injuries and/or high medical bills, we often see accident victims often miss their opportunity to stack policies, leaving their medical bills unpaid and resulting in them being poorly compensated for their injuries.
It’s critical to never miss an opportunity to explore stackable coverage for an accident victim involved in an uninsured collision. You shouldn’t have to worry about what to do when hit by an uninsured motorist. A lawyer can help soothe your fears and get you answers.
The potential for policy stacking should be examined carefully by the insurance adjuster handling your uninsured bodily injury claim. If you feel the adjuster’s analysis is questionable, you probably need to consult an experienced Duluth car accident attorney.