Covering The Cost When The At-Fault Driver Can’t
If you suffered a serious or catastrophic injury, but the person who hit you only had a $25,000 minimum policy, that $25,000 may not be nearly enough to cover the full cost of your hospital stay, medical treatment and care. In a situation like this, you need your own insurance company to cover the rest of the cost. That is the whole point of having uninsured/underinsured motorists (UM/UIM) coverage on your car insurance policy.
But what happens when your insurance company denies your claim? What can you do if it refuses to pay for the care you need and deserve?
Turn to Mansell, Engel & Cole. Since 1994, we have been representing premium-paying policyholders against their own insurance companies, when those companies wrongfully deny claims and act in bad faith. Your insurance company has the duty to treat you fairly. If it does not, our highly experienced attorneys can help you obtain justice. We may also be able to seek punitive damages on your behalf, which is additional money that goes above and beyond the amount you were originally owed.
You Have A Right To Use The UM/UIM Benefits You Bought
Your UM/UIM coverage is meant to provide you with extra protection, should you become involved in an auto accident with an uninsured or underinsured driver. It also covers accidents caused by hit-and-run drivers.
You paid for this protection — and as with any other product that you purchase, you deserve to enjoy its benefits. Unfortunately, insurance companies don’t always keep the best interests of their policyholders in mind. Although your company should promptly give you the amount you deserve, you may find that it delays, it underpays you or it refuses to pay at all.
You can expect these tactics from the other driver’s insurance company, but you shouldn’t have to deal with it from yours. Under the law, your company is obligated to handle the claim in a way that protects your best interests.
Offering Attentive Service And A Free Consultation
In order to ensure that we offer our clients the necessary attention and thoughtful preparation, we are selective about the cases we accept. You are never treated as just another case number or file.
At Mansell, Engel & Cole, we also strongly believe that our clients should never have to pay out-of-pocket expenses for legal costs and fees, especially if your financial well-being is being jeopardized by a careless insurance company. For this reason, we only charge lawyer fees if we are successful for you.