If you have been in an accident, what happens if the other driver does not have automobile insurance?
This can be a scary scenario for any motorist involved in an accident. However, assuming the car you are driving in is insured, your auto insurance policy will most likely have an uninsured motorist provision, which means you may have a claim for uninsured motorist benefits under your own policy. Lawyers refer to this as a UM claim.
If you make an uninsured motorist claim, your own insurance carrier has the right to use all defenses that the other at-fault driver may have had against you. An uninsured motorist claim therefore essentially creates an adversarial relationship between you and your own insurance carrier.
This adversarial relationship with your own insurance company surprises many people and often creates the need for an attorney to become involved. Consequently, it may be wise to talk to a personal injury lawyer before making an uninsured motorist claim.
Do you still have unanswered questions regarding an accident involving an uninsured motorist in Alaska? Contact an experienced personal injury lawyer at the Law Office of Ben Crittenden for a FREE consultation to discuss your legal options and how to protect yourself.