How to argue for underinsured motorist coverage in a wrongful death case

Auto accident claims often involve multiple insurance companies, insurance policies, and provisions within those policies.  There is the liability insurance for the at-fault driver as well as uninsured and underinsured coverage in the victim's auto policy.  If more parties are involved, there will be further coverage.  For example, if a passenger in a vehicle dies as a result of the motor vehicle accident, the estate of the deceased would be eligible to receive the liability coverage from the at-fault driver's policy (if he has insurance), as well as underinsured coverage from the deceased's policy provided he also has insurance.  If the at-fault party has no insurance, the deceased's estate would be eligible to receive the uninsured coverage from the deceased's policy.  In some instances, there may be further coverage as well, although it may require some negotiating to convince the insurance company that the coverage should be paid out.  In one case, the deceased had a minor daughter and was not married to her mother.  The minor daughter could make a claim with her mother's insurance policy for the underinsured coverage.  We made this claim in one case, were denied coverage by the insurance company, and then successfully argued to receive the limits of the underinsured provision.  If you have similarly been denied coverage, call us today so we can evaluate your claim and help you get the coverage you are owed.

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