To determine whether you have uninsured or underinsured motorist coverage, you can use a tool called an uninsured motorist claim calculator. Most uninsured and underinsured policies are sold together, and the calculator allows you to estimate how much coverage you need. The calculator is very helpful in protecting you against hit and run accidents and cut-off and run accidents. This tool was designed by Philip L. Franckel, who also wrote all of the articles on this site.
The calculator assumes that the other party is at least partially at fault, which is based on comparative negligence. In states that apply this doctrine, the amount of coverage will be reduced by the percentage of fault based on the other party's level of fault. The calculator defaults to four months of coverage, and the minimum is two months. However, the calculator may be less helpful if you are partially at fault, as that will reduce the value of the claim. Personal Injury car accident attorneys
If you are involved in an accident, the first thing you should do is record the details of the incident. You should take pictures of the scene and damage to your car. Providing eye witnesses with photos will help you to complete the insurance claim process. As soon as possible, you should also take photos of the damage to your car and the scene of the accident. By completing these steps, you will be on the road to recovery.
You must be aware that an uninsured motorist claim calculator is not an accurate substitute for consultation with an attorney. You will need to understand the details of your accident and the insurance coverage limits. An accident lawyer will evaluate your claim based on the information you provide and add everything up. Even though an uninsured motorist claim calculator can be helpful in evaluating insurance offers, it can't be a good way to determine whether you are being overpaid for your injuries.
In the accident, there are two types of damages you may receive in the event of an uninsured motorist's negligence. First, there are economic damages (such as medical expenses), and then there are non-economic losses, such as lost income. Special damages are easier to quantify and include medical expenses, lost wages, and property damage. You must multiply the cost of each of these losses by the number of months you were prevented from working.
The multiplier method is another method, but it has several limitations. It's easy to use but often inconsistent. If you've suffered a spinal cord injury, one adjuster may use a multiplier of 3 while another uses a multiplier of 2. This method only looks at bills, and fails to consider the extent of pain and suffering you've suffered. Additionally, it fails to take into account the living conditions of the victim.
For example, a woman who suffered a lower back injury in an accident caused by an uninsured motorist is entitled to receive up to $8,381 in medical expenses. She's likely to receive less than a similar amount in an uninsured motorist claim calculator. If your claim exceeds that amount, you can still file a lawsuit. In this case, the uninsured motorist's insurer should pay for the rest of the expenses incurred by the victim.