Being involved in an Indiana car accident is a traumatic experience. Of course, an accident victim must first deal with the physical injuries and emotional stress in the aftermath of the accident. After the injuries heal, however, there are often unresolved financial issues, including the payment of medical bills, how to pay for future medical care, the money lost from workdays missed, and the pain and suffering endured throughout the process.
Anyone involved in a car accident can file a personal injury lawsuit against the responsible party, seeking to recover compensation for their injuries. However, in some cases, the at-fault motorist does not have insurance or has low policy limits, such that an accident victim’s injuries are not fully covered. In these situations, an accident victim may file a claim with their own insurance policy, under the uninsured/underinsured motorist provision.
One may think that filing a claim with their own insurance company is a simple process; however, that is not always the case. Insurance companies are for-profit corporations that are always keeping their bottom line in mind. Thus, many insurance companies view incoming claims with an eye toward how the claim can be denied. Indeed, a recent case illustrates how one plaintiff’s innocent error caused her to forfeit any underinsured motorist claim under her own policy.