Uninsured & Underinsured Motorist Lawyers in Indiana
Langer & Langer Will Stand Up to Insurance Companies for You
Uninsured and underinsured motorist claims occur when there is a crash involving automobiles, motorcycles, trucks, or semitrailers and the driver responsible for the crash does not have insurance (uninsured), or the driver responsible for the crash does not have enough insurance to pay for the damages (underinsured).
Injuries sustained in these types of crashes can be serious and even life-changing. Because of the high cost of medical treatment when someone has suffered a serious injury, insurance companies often do not cover the full value of damages.
Let Us Help You Receive the Compensation You Need
When a crash occurs and the responsible driver is either uninsured or underinsured, you should contact your insurance representative right away to seek for coverage of your medical costs and property damage expenses. Insurance companies frequently balk at paying claims in full. Even when you are current on your premiums, you may find yourself unable to pay your bills after a car accident.
Our firm has extensive experience handling uninsured and underinsured motorist claims and we are committed to doing all we can to help our clients recover.
Handling Complex And Technical Legal Issues
Indiana law requires motorists to carry a certain amount of liability insurance – known as uninsured and underinsured motorist coverage – on their vehicles. Under your policy, the insurance company provides coverage to pay for medical treatment of your injuries caused by an uninsured driver, an underinsured driver, or hit and run motorist. Auto insurance policies must contain uninsured and underinsured motorist coverage, but filing these types of claims can be complex.
Your insurance company requires you to use the other driver’s insurance minimum liability limits before you can use your own underinsured coverage. In addition, you must inform your insurance company of the responsible insured’s insurance settlement offer prior to qualifying for underinsured benefits.
Under Indiana laws, there are many issues in uninsured and underinsured matters, including:
- Breach of insurance contract
- Insurance bad faith
- Review and interpretation of insurance policies to determine what coverage and limitations may apply, and whether they have been reached
- Arbitration and mediation with insurance companies
Do Not Accept An Offer Before Speaking With A Lawyer
Prior to accepting any settlement offer from your insurance company, you should consult with an experienced Indiana uninsured and underinsured motorist claims attorney. Call Langer & Langer at 219-246-4759 to schedule an initial consultation today.