DENIED UM/UIM COVERAGE? Your Guide to Understanding and Contesting UM/UIM Claim Denials
The aftermath of a car accident is stressful, especially when dealing with uninsured or underinsured motorists. Understanding your rights under Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage is essential for ensuring you’re fairly compensated, even when the other party lacks adequate insurance. WHAT IS UM AND UIM COVERAGE? UM coverage is designed to protect drivers if they are involved in an accident with an at-fault driver who doesn’t have insurance. UIM coverage is for when the at-fault driver’s insurance can’t cover the damages that driver caused. Both types of coverage ensure you can receive compensation for injuries and losses without needing to depend solely on your standard coverage. Typically, UM and UIM coverage can be invoked for expenses such as medical bills, lost wages, pain and suffering, and, in some cases, property damage. This coverage is part of your auto insurance policy if you choose to include it and is regulated by state laws.
STEPS TO TAKE IF YOUR CLAIM IS DENIED 1. Review Your Policy: Before taking any action, review your insurance policy to understand the specifics of your coverage. Knowing the details of your policy helps clarify if the denial is valid. 2. Gather Documentation: Compile all relevant documentation of the accident and your injuries. This includes medical records, police reports, communication with the insurance company, and other evidence supporting the claim that the other motorist was at fault. 3. Appeal the Decision: Most insurance policies offer a process for appealing a denied claim. This procedure should be outlined in your policy documentation. Following the steps provided can often lead to a reversal of the decision. 4. Consult an Attorney: If your appeal is unsuccessful or the insurer’s behavior suggests a pattern of unfair practices, it can be beneficial to consult with an attorney who specializes in bad faith insurance claims. An experienced lawyer can offer guidance on the legal options available to you, which may include filing a lawsuit against the insurance company for acting in bad faith. If you’re struggling with a denied claim, don’t navigate these complex issues alone. Contact our team today. We’re ready to review your case and provide the guidance you need to secure the compensation you deserve.
BREAK TAKE A
Exquisite Lemon Bars
Ingredients • 2 cups all-purpose flour • 1/2 cup powdered sugar • 1 cup butter, softened • 4 large eggs • 2 cups granulated sugar
• 1/2 cup fresh lemon juice • 2 tbsp grated lemon zest • 1/4 tsp baking powder • 1/4 tsp salt
Directions 1. Preheat oven to 350 F and grease a 9x13-inch baking pan. 2. In a medium bowl, combine flour and powdered sugar. 3. Cut in butter until the mixture resembles coarse crumbs.
4. Press mixture into prepared pan. Bake for 15 minutes or until lightly browned. 5. In a large bowl, whisk together eggs, sugar, lemon juice, lemon zest, baking powder, and salt. Pour over crust. 6. Bake for 25 minutes or until set. Allow to cool before cutting into bars.
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