Why would my mom's auto insurance not want to cover an uninsured motorist claim?

"My mom was in an accident with an uninsured driver. She wasn't at fault and we took her car to a repair shop after the accident.

Now the repair shop is asking for the repair costs and her insurance doesn't seem to want to pay out. Is there anything we can do?"

“Since the accident was with an uninsured driver, the first thing you’ll need to do is confirm that your mother’s policy included uninsured/underinsured motorist coverage.
While it is required in many states, it is optional in others. If she didn’t have this coverage during the accident, the insurance company typically won’t pay for any damages.
The insurance company may also need to verify that the other driver is actually uninsured. Drivers often claim to be uninsured to avoid having to submit a claim through their own insurance.
Furthermore, insurance companies follow specific processes when dealing with claims. If you took the vehicle to a repair shop immediately without the insurer’s approval, this could be another reason why they aren’t willing to pay for the claim.
You’ll want to reach out to your mom’s insurance company to ask why they aren’t approving the claim and if there is anything you can do to assist with the process.
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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