Car & Vehicle Accidents

August 21, 2021

Skaug Law Idaho’s Injury Attorney

Nampa, Idaho | (208) 410-4736

Uninsured Motorist Claims: What Happens Next?

By: Bruce Skaug •

If you were hurt by an underinsured or uninsured driver, don’t give up hope. The post explains that many drivers on Idaho roads do not carry enough coverage—or any coverage at all. It also notes that insurance company estimates suggest a portion of drivers do not carry sufficient insurance.

Skaug Law states they understand the stress of dealing with damages when the other driver failed to maintain proper coverage. If you don’t know where to get money for your bills, the post says they will help you find a way. Uninsured motorist coverage can act as a back-up when the at-fault driver has no insurance.

Get Your Free Injury Case Review

Settling Uninsured Motorist Claims in Idaho

The post states that if you were in an accident in Idaho and the other driver was at fault but uninsured, you may need to file an uninsured motorist (UM) claim to seek compensation.

It also says most insurance policies sold in Idaho include uninsured motorist coverage to back up these scenarios, but you typically still have to file a claim with your own company to access that coverage.

What Rules Apply in Idaho?

The post explains Idaho uses a comparative fault approach. In plain English: fault can be split, and compensation can depend on each party’s share of responsibility. The post notes that if a driver is found to be more than 50% responsible, they may receive no compensation from the other party.

It also states Idaho requires insurance companies to offer uninsured motorist coverage as part of basic auto insurance, and that rejecting it requires a formal rejection with the insurer.

If you were in an accident and the other driver is at fault and uninsured, the post says UM coverage may help with expenses.

We Can Help Deal With Insurance Following an Accident

The post says one frustrating part of an uninsured motorist claim is fighting your own insurance company—even though you’ve paid premiums for years. It mentions insurers may delay or try to pay the smallest amount they can.

Skaug Law states they understand insurance company tactics and use strategies aimed at helping clients pursue maximum compensation. The post describes UM claims as potentially complicated and says the firm can assist from start to finish.

Get Your Free Injury Case Review

FAQs: Uninsured Motorist Claims

What Do You Do When an Uninsured Motorist Hits You?

The post explains you will typically file a claim with your insurance company, and because Idaho uses comparative fault, fault may need to be determined before a payout occurs.

It also notes that if you have UM/UIM coverage, your insurance may cover up to certain limits, depending on the policy and the covered damages. If you do not have coverage, the post says you may need to pursue a civil suit against the at-fault driver to try to recover damages.

How Do Uninsured Motorist Claims Work?

The post outlines a typical process:

1. You file a claim with your provider.
2. Your provider checks for other insurance (or confirms there is none).
3. Your provider checks whether you have UM/UIM coverage.
4. If you do, your insurer may cover losses up to your policy limits.

The post adds that these cases often focus on medical and physical damages, and that property damage may or may not be part of UM coverage depending on the policy.

It also states that if you disagree with the settlement offered, you may need to move to arbitration to try to reach an agreement.

How Long Does It Take to Settle an Uninsured Motorist Claim?

The post says settlement time can take months, and timing varies based on factors like investigation, documentation, and negotiations. It notes having a lawyer can help keep a case moving and apply pressure for timely handling.

How Much Is the Average Uninsured Motorist Settlement?

The post states the payout depends on what your policy covers. It recommends checking your policy paperwork or asking your insurer for UM limits.

What Is Covered Under an Uninsured Motorist?

The post says coverage depends on your policy, but commonly includes items like medical expenses and, in some cases, property damage—depending on what your policy includes.

It also notes some laws focus on medical/bodily injury coverage and that property damage coverage may require additional steps or a separate claim path depending on the policy.

What Happens if I Reject Uninsured Motorist Coverage?

The post states that if you reject UM coverage and are hit by an uninsured driver, you lose that backup coverage and may need to file a suit against the at-fault driver to seek compensation for uncovered losses.

Get the Maximum Payout

The post states Skaug Law has experience with accident claims and insurance disputes, and that the firm can help even when the other party is uninsured. It also mentions the firm’s approach is to help clients pursue the maximum possible outcome.

Free consultation: Contact Skaug Law today. The post states no attorney fees are owed until a settlement is obtained.

Call (208) 410-4736.

Local service note: If you’re searching for Accident Attorneys Nampa ID, Accident Lawyers Meridian ID, or Personal Injury Attorneys Nampa ID, Skaug Law serves clients across the Treasure Valley.

Disclaimer: This page is general information and not legal advice. Each case depends on its facts.

Skaug Law

1226 East Karcher Road, Nampa, ID 83687

(208) 410-4736

If you were hurt by an underinsured or uninsured driver, don’t give up hope. The post explains that many drivers on Idaho roads do not carry enough coverage—or any coverage at all. It also notes that insurance company estimates suggest a portion of drivers do not carry sufficient insurance.

Skaug Law states they understand the stress of dealing with damages when the other driver failed to maintain proper coverage. If you don’t know where to get money for your bills, the post says they will help you find a way. Uninsured motorist coverage can act as a back-up when the at-fault driver has no insurance.

Get Your Free Injury Case Review

Settling Uninsured Motorist Claims in Idaho

The post states that if you were in an accident in Idaho and the other driver was at fault but uninsured, you may need to file an uninsured motorist (UM) claim to seek compensation.

It also says most insurance policies sold in Idaho include uninsured motorist coverage to back up these scenarios, but you typically still have to file a claim with your own company to access that coverage.

What Rules Apply in Idaho?

The post explains Idaho uses a comparative fault approach. In plain English: fault can be split, and compensation can depend on each party’s share of responsibility. The post notes that if a driver is found to be more than 50% responsible, they may receive no compensation from the other party.

It also states Idaho requires insurance companies to offer uninsured motorist coverage as part of basic auto insurance, and that rejecting it requires a formal rejection with the insurer.

If you were in an accident and the other driver is at fault and uninsured, the post says UM coverage may help with expenses.

We Can Help Deal With Insurance Following an Accident

The post says one frustrating part of an uninsured motorist claim is fighting your own insurance company—even though you’ve paid premiums for years. It mentions insurers may delay or try to pay the smallest amount they can.

Skaug Law states they understand insurance company tactics and use strategies aimed at helping clients pursue maximum compensation. The post describes UM claims as potentially complicated and says the firm can assist from start to finish.

Get Your Free Injury Case Review

FAQs: Uninsured Motorist Claims

What Do You Do When an Uninsured Motorist Hits You?

The post explains you will typically file a claim with your insurance company, and because Idaho uses comparative fault, fault may need to be determined before a payout occurs.

It also notes that if you have UM/UIM coverage, your insurance may cover up to certain limits, depending on the policy and the covered damages. If you do not have coverage, the post says you may need to pursue a civil suit against the at-fault driver to try to recover damages.

How Do Uninsured Motorist Claims Work?

The post outlines a typical process:

1. You file a claim with your provider.
2. Your provider checks for other insurance (or confirms there is none).
3. Your provider checks whether you have UM/UIM coverage.
4. If you do, your insurer may cover losses up to your policy limits.

The post adds that these cases often focus on medical and physical damages, and that property damage may or may not be part of UM coverage depending on the policy.

It also states that if you disagree with the settlement offered, you may need to move to arbitration to try to reach an agreement.

How Long Does It Take to Settle an Uninsured Motorist Claim?

The post says settlement time can take months, and timing varies based on factors like investigation, documentation, and negotiations. It notes having a lawyer can help keep a case moving and apply pressure for timely handling.

How Much Is the Average Uninsured Motorist Settlement?

The post states the payout depends on what your policy covers. It recommends checking your policy paperwork or asking your insurer for UM limits.

What Is Covered Under an Uninsured Motorist?

The post says coverage depends on your policy, but commonly includes items like medical expenses and, in some cases, property damage—depending on what your policy includes.

It also notes some laws focus on medical/bodily injury coverage and that property damage coverage may require additional steps or a separate claim path depending on the policy.

What Happens if I Reject Uninsured Motorist Coverage?

The post states that if you reject UM coverage and are hit by an uninsured driver, you lose that backup coverage and may need to file a suit against the at-fault driver to seek compensation for uncovered losses.

Get the Maximum Payout

The post states Skaug Law has experience with accident claims and insurance disputes, and that the firm can help even when the other party is uninsured. It also mentions the firm’s approach is to help clients pursue the maximum possible outcome.

Free consultation: Contact Skaug Law today. The post states no attorney fees are owed until a settlement is obtained.

Call (208) 410-4736.

Local service note: If you’re searching for Accident Attorneys Nampa ID, Accident Lawyers Meridian ID, or Personal Injury Attorneys Nampa ID, Skaug Law serves clients across the Treasure Valley.

Disclaimer: This page is general information and not legal advice. Each case depends on its facts.

Skaug Law

1226 East Karcher Road, Nampa, ID 83687

(208) 410-4736

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