A former employee called me last week and told me her father was in a car crash and needed my help. He had been rear ended by an uninsured driver and wasn't sure what to do. After speaking to him I learned that he was mostly just pissed at his own insurance company for making him pay a $100.00 deductible on his property damage. He understandably wanted to stick it to the uninsured driver as well. Luckily, my client has uninsured coverage and can make a claim. However, I don't think he would be making a claim if his insurance company just paid for his deductible. I'd say at least 40% of what I do it related to insurance companies making stupid decisions. I'm sure if some MBA evaluated this he would tell State Farm to pay the $100.00 deductible and hope this thing will go away. Instead, I'm making an uninsured claim that won't resolve for less than several thousand dollars. The insurance company will front that money and then attempt to collect it from the uninsured driver. Catch is uninsured people don't have money so they will spend a lot of time chasing their tail. I'm not sad about it, but its an inefficiency in our system.
Opinion and Advertising Material for Brian Dettman www.louisville-injury-lawyer.com