If you've been hit by an uninsured or underinsured motorist, you may be able to recover damages from your insurer under the terms of your policy coverage. Typically, insurers will not volunteer this information when they attempt to recover damages from the driver who hit you and realize the other driver does not have enough coverage to pay for your medical bills, lost wages, and the replacement costs on your car. In some cases, even after policy holders have pointed out the applicable terms of their policy, insurers have still refused, forcing policy holders to take them to court.

At the law office of Johnston & Johnston, our lawyers pursue insurers who refuse to honor the terms of insurance policies intended to cover accidents involving uninsured and underinsured motorists. If bad faith insurance practices are involved, our office may seek punitive damages and work with the Pennsylvania state Insurance Commissioner or Attorney General in reporting the actions of your insurer.

Don't assume your insurer is untouchable or in an unapproachable position of power. Contact bad faith insurance attorneys at Johnston & Johnston today and schedule an appointment to learn how we can help you.

Understanding the Terms of Your Insurance Policy

Most Standard Coverage insurance policies include coverage for accidents involving uninsured and underinsured drivers. If you purchased the cheapest, most basic policy available with a minimum amount of coverage, it's unlikely you are covered in accidents involving uninsured and underinsured motorists. If you have Standard Coverage and are covered, your insurer may only pay on claims when you are not at fault. That's why it's important to request a copy of a police report if one was filed and contact an attorney to begin collecting evidence and important information to substantiate your case.

Don't Assume Your Insurance Agent has the Last Word

Insurance companies are interested in making money on policies - not in paying out on them. In fact, it's not uncommon for claims agents to operate under cost-reduction programs that tie bonuses and promotions to minimizing losses for their employer. Consequently, an insurance agent may have a financial incentive to convince a policy holder he or she cannot collect on a claim involving an uninsured or underinsured driver. They may have been advised by their manager or legal department to "call the bluff" of a policy holder and force the matter into court.

For these reasons, don't assume what your insurance agent tells you is necessarily the whole truth. An insurance company may assume a policy holder will either accept a reduced settlement or simply go away. As your legal representatives, our attorneys put insurers on notice, indicating what the terms of your policy cover and letting them know we are prepared to sue them to recover damages owed our client. We also make it clear that we will involve the Attorney General's office and the State Insurance Commissioner. While we are willing to negotiate a settlement, we prepare each case for litigation.

Contact Bad Faith Insurance Attorneys at Johnston & Johnston Today

You don't have to spend hours arguing with your insurer - our attorneys have the experience and knowledge needed to resolve cases involving uninsured and underinsured car accidents. To discuss your case, contact the law office of Johnston & Johnston today.