Uninsured motorist Insurance?

Question

I was involved in an accident last year in May and suffered whiplash. I had uninsured drivers insurance.

I entered in a claim back in May, however I did not seek any money for medical expenses. Can I seek the insurance pay out now? as I need to get a MRI done etc. Also is it possible to get damages for pain and suffering?

Answer 1

At this late date, most likely not. But if you are able to.....

Uninsured motorists coverage does not pay your bills; to settle the UM claim, you have to incur the bills, finish a course of treatment, submit the records to your insurance and then they will settle your UM claim based upon the bills. You're responsible for making sure your med bills are paid; your Medical Payments coverage (if you have it) pays the bills up to the policy limit, for reasonable/customary charges for necessary/related treatment resulting from the accident. Now, you'll have to prove your injuries are indeed related to the accident.

Answer 2

to boot the effective print that some coverage firms have different than uninsured motorist injuries to be coated under collision. in case you place a declare in under collision, your coverage value will circulate up. interior the state of Oregon, for 3 years. uninsured motorist coverage additionally covers the scientific charges you have via an twist of destiny (section referred to as UMBI). while you're in a state that would not require man or woman harm risk-free practices (PIP) and you haven't any longer have been given solid scientific coverage... it might desire to get spendy rapidly. additionally Uninsured Motorist coverage often comes with a deductible 2, or 3 hundred money. that's often much less then the collision deductible.

Answer 3

okay there are actually several questions here - let's take one at a time..... When you say you entered a claim - explain - what did you enter the claim for???? what coverage was used........ statute of limitations for injuries is usually at least 2 years from the date of injury (but that varies from state to state)- and waiting this late for treatment could make it difficult to relate back to an accident in May 2006...... however, i fail to see what Uninsured motorist coverage has to do with it..... if you reported this to your insurance carrier and they investigated and determined you were NOT at fault.... then they attempted to pursue against the at fault person and it was determined that no coverage existed for the at fault party - THEN you would file your claim under your uninsured motorist...... your vehicle damage and loss of use would be covered under the property damage portion of that coverage and usually there is a deductible - and if your adjuster did their job they either ruled out injuries at the time or explained to you how to deal with that claim...... if you have had no treatment since may of 2006 - as an adjuster you would have to give me proof that this was the ONLY way you could have an injury....... also if your state offers Medical payment coverage - which is optional in most states - that should have taken care of ANY initial medical bills...... your best bet is to contact the claims office you filed with initially and see what coverages they still have available for you - in most states your Uninsured Motorist property damage claim and Uninsured motorist Bodily Injury claim are separate and you CAN settle one without settling the other -

Answer 4

the other persons insurance should have paid for this ,you have kind of waited too long on this one to do anything about it,you need to get in touch with the insurance company and let them know whats going on,and go from there with it you only have one year from the date of the accident,so id get in touch with them as soon as possible,good luck i hope this help,s.

Answer 5

I think you messed up back in May. I don't think you will get anything now sinced you already entered and presumably settled your claim in May.

Answer 6

UNINSURED DRIVER'S INSURANCE says it all. You've signed your own Death Wish.