Subject: Question About Uninsured Motorist Bodily Injury Coverage with AAA
Hi everyone,
I hope you can help me clarify something. I was recently involved in a car accident where I was found to be not at fault. During the investigation by AAA, I discovered that the other party did not have insurance at the time of the accident. My main adjuster informed me that a collection agency is now seeking reimbursement.
Currently, I only need coverage for my car repairs and ongoing medical expenses. My vehicle has already been repaired, but my medical bills are still accumulating. My policy includes Uninsured Motorist coverage, which provides $100,000 per person and $300,000 per accident.
Am I misunderstanding how this applies to my situation? Also, why is AAA now offering me optional uninsured motorist bodily injury coverage?
Thanks in advance for your help!
Hello,
It sounds like you’re navigating a complex situation after your accident. Since you have Uninsured Motorist (UM) coverage that includes bodily injury limits of $100,000 per person and $300,000 per accident, you should be able to utilize that coverage for your medical expenses related to the accident, given that the other party was uninsured.
Here’s a quick breakdown of what might be happening:
Current Situation: Since you are not at fault and the other driver was uninsured, your UM coverage should generally protect you for medical costs and lost wages due to the accident.
Collection Agency: The fact that a collection agency is involved may be related to either your own insurance company seeking reimbursement for the costs they’ve incurred or the other driver’s insurance status impacting claims. Your adjuster can clarify why they’re pursuing reimbursement and how it relates to your UM claim.
Why the Offer?: AAA might be offering additional UM bodily injury coverage to ensure that you’re fully protected in future situations. It can be a way for them to encourage you to increase your coverage limits or provide more options tailored to your specific needs. Even though you already have UM coverage, it’s common for insurers to offer upgrades or additional coverage that could provide more extensive protection.
To move forward:
If you have any further questions or need clarification, don’t hesitate to reach out to your insurance representative. They can assist you in navigating your options based on your policy and current circumstances.
Take care!