Why didn't my lawyer file a claim with my auto insurance for underinsured motorist coverage?

"The at-fault driver's insurance limit was $50,000. I had over $50,000 in medical bills and damages.

I do have underinsured motorist coverage on my policy, so I'm not sure why my lawyer only filed a claim with the other driver's insurance. "

“Depending on the cost of your damages and medical bills, you might have already exceeded your underinsured motorist coverage limits. Since you hired a lawyer to review your case, they most likely recognized that your claim was above your limits.
Additionally, if you did submit a claim through your own insurance for underinsured motorist coverage, they would likely still try to recover the costs from the other party.
If your lawyer is currently in negotiations with the other driver’s insurance company, you should reach out to your lawyer.
You are paying them to represent you, so it’s important to be aware of what they are doing. They won’t settle with the other driver until you approve it. They’ll be able to explain to you why they didn’t file a claim with your insurance company. “
Emily Maracle
Answered on May 19, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

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