Car accidents in Denver are burdensome enough when everything works out smoothly. If the other driver is at fault, their insurance is supposed to pay to make everything right again- repairing or replacing your automobile, paying your medical bills, and compensating you for any missed time at work because of injuries. That’s why an accident with an uninsured driver can have catastrophic results.
According to the Insurance Research Council, approximately 14 percent of drivers across the nation are uninsured. The most common reasons motorists gave for not carrying insurance include:
- Vehicle not in operation
- Vehicle operable, but not being driven
- Couldn’t afford insurance
Handling Your Own Personal Injury Claim
If you are injured in an injured in an accident with an uninsured motorist, you can file your own claim against your insurance company. Unlike personal injury protection (PIP) insurance, you will be required to prove to your insurance company that the uninsured driver was at fault.
In an uninsured motorist claim, your insurance company essentially fills the role the other driver’s company would have, if he or she had insurance. The process of filing your personal injury claim against your own insurance company may seem adversarial since, just like every other insurance company, yours doesn’t want to have to pay anytime it doesn’t have to.
You will need to collect evidence just as if you were filing a claim against the uninsured driver’s insurance company. In addition to collecting important evidence at the accident scene, you will also need:
- Records of medical treatments and expenses
- Proof of lost income
- Verification of all out-of-pocket expenses
- A dollar figure for your pain and suffering
By law, your insurance company is obligated to negotiate your claim in good faith without imposing unfair or unreasonable obstacles on you. They are required to negotiate the claims of their clients and third party claimants fairly. Failure to do so constitutes bad faith practices, and could force them to pay actual and punitive damages.
Punitive damages in uninsured driver bad faith claims can reach thousands to hundreds of thousands of dollars in excess of the initial value of the claim. If you suspect your insurance company is guilty of bad faith, contact an experienced personal injury attorney.
When You Need an Attorney
If you are able to collect and coordinate irrefutable evidence, you may draft and formalize a demand letter to negotiate your own settlement. However, you should contact a Denver car accident attorney immediately if you feel overwhelmed, suspect bad faith practices, or you have been severely or permanently injured.
Denver Car Accident Attorney
If you have been injured in a car accident with an uninsured motorist, it is best to contact an experienced Denver car accident attorney, rather than handle the insurance company on your own. Call Denver attorney Robert Paysinger today to discuss your case. Our law firm offers FREE case consultations and can be reached at 303.279.0221.
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