DO I HAVE TO FILE A CLAIM WITH MY INSURANCE COMPANY IF I WASN’T AT FAULT FOR THE AUTO ACCIDENT
Tyson Mutrux: Hi, Tyson Mutrux here with the Mutrux Law Firm. Today we’re discussing whether your insurance company has to get involved after you’ve been involved in an auto accident. The answer to that question if you’re not at fault is usually no except for a couple of exceptions that I’ll talk about in a second. But if someone else is at fault, you’re going to go after their insurance company, not yours.
Now if you’re at fault, obviously, your insurance company is going to get involve. Now in instance where you’re not at fault but you want to get your insurance company involved is if you have medical payments insurance, it’s sometimes called med pay. It’s an additional coverage that usually pay for and it’s not going to hurt you for filing a claim. They’re not going to hold that against you and raise your rate.
Another one is uninsured motorist coverage. Let’s say someone else is at fault, they don’t have insurance, every policy in Missouri and Illinois has uninsured motorist coverage so you’ll be able to recover. It’s not going to raise your rates.
The last one is underinsured motorist coverage. Let’s say that someone else has a minimum policy of $25,000 and you’ve got a lot of medical bills and you have underinsured motorist coverage which if you don’t have, I recommend you getting it. That’s where you could file a claim with insurance company.
Now if you have any other questions about that, give us a call at 888-550-4026 or check us out at MutruxLaw.com. Thanks for watching. Have a great day.
**The choice of a lawyer is an important decision and should not be based solely upon advertisements.**
**Past results do not serve as a guarantee of future results.**
**The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.**