Underinsured Motorist Insurance Claims (UIM) and Uninsured Motorist Insurance Claims (UM) involve you as an insured who purchased insured coverage making a claim against your own insurance company. These claims may arise when the opposing driver who caused a motor vehicle accident or motor vehicle collision either does not have enough insurance, referred to as an underinsured motorist claim, or is not insured at all, referred to as an uninsured motorist claim. If you purchased these coverages, you may be able to make a claim under your own insurance policy to make up for the fact that the opposing driver was not sufficiently insured relative to the magnitude of your injuries and damages.
In such a case, an Idaho insurance attorney will assist you in submitting the insurance claim to your insurance company by way of an appropriate proof of loss submission. The insurance claim lawyer will submit proof of liability (that the opposing driver was at fault, such as police report documentation), as well as your injuries (such as medical records) and your damages (such as medical bills, loss of income, as well as pain and suffering). Under Idaho insurance law, your insurance company only has a limited amount of time within which to properly pay the amount justly due to you under your insurance policy.
If your insurance company fails to tender the amount justly due, an Idaho insurance claim law firm may have to step in and file a lawsuit against the insurance company for both breach of contract and for the tort of insurance bad faith under Idaho law. If successful, you may be able to actually recover attorney fees given the restrictive time deadlines that apply to insurance companies and given that your insurance company must deal with you in good faith, in accordance with the policy terms.
To assist the Idaho insurance claim attorney in evaluating your potential underinsured motorist (UIM) or uninsured motorist (UM) insurance claim, you will want to have a copy of your insurance policy available. You can get this either from your insurance agent, or from your insurance company. They should be able to quickly get you a copy for your insurance claim lawyer. Also, check your insurance card mailed to you by your insurance company along with any policy declarations pages you received. These may show your insurance claim law firm if you have underinsured (UIM) or uninsured (UM) motorist coverage and, if so, what the dollar amount of your insurance is.
Mahoney Law is an Idaho insurance claim law firm. We work as an Idaho insurance claim lawyer to obtain you the benefits owed under your policy. We assist policy holders with wrongfully denied insurance claim. Our Idaho insurance attorney will review your potential underinsured motorist (UIM) or uninsured motorist (UM) insurance claim free of charge. There are no fees unless we are successful as we work on a contingency fee basis. Call Mahoney Law of Idaho now for a free, no obligation, confidential insurance claim review. 208-345-6364.