Why is my employer making it so difficult for me to file an uninsured motorist claim?

"I'm a delivery driver and have a commercial policy through my employer. I also have a personal auto policy since I drive my own vehicle.

I was hit by an uninsured driver and they were at fault. I've submitted a claim through my employer's insurance, which covers uninsured drivers. I don't understand why the entire process has been so slow and difficult, as it seems like I should be covered for the damages. "

“Since your employer has uninsured motorist coverage that should apply to you, there could be other issues.
Legally, your employer’s insurance company will need to investigate the accident. They’ll have an adjuster review the damages, accident details, and associated costs.
They’ll also want to ensure that you were actively working at the time, and that the other driver is actually uninsured. If they are having trouble reaching the driver to confirm their information or insurance status, this may be causing a delay.
If you’re concerned about the process or having difficulty, you should reach out to your employer and their insurance company. Find out if there’s any additional information they may need from you. You can also ask for more clarification on the claims process.
If they’re unwilling to work with you, you may need to reach out to your state’s Department of Insurance. “
Emily Maracle
Answered on May 10, 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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