It’s very easy for state residents to file an uninsured motorist claim. Following a motor vehicle accident, a victim can contact their car insurance provider, notify them about the car accident they sustained injuries in, and file an uninsured motorist claim so long as they are named on the insurance policy.

Those who are neither named on the insurance policy or policyholders can pursue uninsured motorist claims. While being in a motor vehicle at the time of a car accident, generally, insurance policies will cover any injured person’s uninsured motorist benefits.

If an individual is injured in a car accident with an uninsured driver, an uninsured motorist claim can be filed. This claim can be filed for the car being driven during the crash with the auto insurance company.

Uninsured motorist benefit claims originate directly from your insurance contract with your car insurance provider. Having said that, the insurance policy that you have will dictate the terms of the motorist benefit application.

The uninsured motorist claimant has many provisions for notice, obligations and duties; they will need to follow to pursue a claim for uninsured motorist benefits. For those who file a claim, to see success, provisions must be followed to the best of their ability. Otherwise, you will forfeit your right to receive uninsured benefits.

For instance, many auto insurance policies will require that a police report is created within 24 hours of a hit-and-run accident. If this is not completed, individuals will not be able to file a claim for uninsured motorist benefits. Additionally, many insurance companies will require an individual to apply within 30 days for uninsured motorist benefits. Unfortunately, prevention of a claim submission will occur if this alone is not completed by you or a loved one.

It should be noted that these claims are that only available to people who are not responsible for an accident. Therefore, if you are more than 50% at fault for the car accident then a claim for uninsured motorist benefits will not be available.

Obtaining uninsured motorist benefits can be a valuable option in order to receive compensation after sustaining an injury that resulted from an auto accident involving a motor vehicle. We suggest speaking with your car insurance agent to discuss adding an uninsured motorist coverage to your policy. Make sure that the coverage you add is adequate; in the event that you or anyone operating your vehicle is injured.

Our auto accident lawyers are dedicated to providing you with only the best possible information. A Lansing auto accident lawyer at Elia & Ponto will help guide you if trouble with any of this information should arise.