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So what happens if you get into an accident with an uninsured driver and the accident is not your fault? Well, its not a happy ending. You could try to sue them, however, chances are if they dont have insurance they would file bankruptcy and you wont get a dime. Who pays for your medical costs, loss of income and repairs to your car? You do. Thats why its smart to protect yourself against the uninsured and underinsured negligence of others.

If you dont have coverage to protect yourself from these uninsured and underinsured motorists who are driving around, check with your insurance agent and see if you can raise the minimum you are probably carrying on both uninsured and underinsured motorist coverage, says Frank N. Darras, the insurance coverage denial attorney. If added to or the limits are raised its the best buy on the market. Why do you think the insurance industry is touting the coverage?

Uninsured, of course, protects you if the at-fault driver doesnt have any auto insurance. Underinsured motorist insurance covers you against loss when the at-fault driver doesnt have enough auto insurance. Either way, you need to the maximum limits your carrier will write because its coverage that protects you and everyone else in your car..

Now that you understand these types of insurance, lets see what options you have in case your insurance company fails to honor their commitment. If your insurance company withholds paying any benefits because it doesnt believe you are truly injured, or they dont provide benefits in a timely fashion, they may be liable for bad faith even if the benefits are eventually paid. What good is paying our premiums on time do if we get into an accident and our own carrier drags their feet or slow pays the claim? Unreasonably delaying or wrongfully denying a claim subjects the insurance company to extra damages like emotional distress, punishment damages and attorney fees depending on your states laws.

The last thing you want is your claim denied because the paperwork was not correct. Even before you file your claim, make sure you have an experienced lawyer to help you get whats rightfully yours so you do not receive an insurance denial . The claims process can be confusing and if you dont file the claim exactly the way it is outlined in your policy, the insurance company could deny it or at least prolong the process. A top insurance law firm can review your policy with you and determine what is the right legal avenue to take given the insurance company requirements and the law.

It just makes sense to have someone who is qualified there to walk you through the process, states Darras. Your job is to focus on getting better and recovering from the injuries. The insurance company took your money and is required by law to promptly, fairly and with fast friendly service get us paid. Lets hold them to their promise in the event you are faced with insurance denials.

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Visit http://www.darraslaw.com/ for additional health insurance information.
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